Before I start this, I have an important Prayer Request:
My friend, Cin, is going to the doctor today to get a Lump on her Breast checked out. Please pray it is nothing or minor. Her appointment is in 1 1/2 hours. 1:00 p.m. Las Vegas time.
As for the title, Here is the situation:
Hot Topic does not communicate with the bank they do business with. Comenity! If you have a billing or payment issue, you need to call the bank, directly.
Comenity is refusing to take responsibility for their action of doing a Hard Pull which affected my credit report, after telling me it was their system error! They actually sent me a notice saying they will not fix this issue, as it would be a ” Good Will Gesture”. NO, it would be fixing their error! I am still waiting to see if Experian can fix things with them.
Anyway, I still like Hot Topic and will continue to purchase from them but will Not use their card. It will be Cash or Debit from now on! Comenity also is behind the cards of Victoria’s Secret, Wayfair, Woman Within, and more!
So, the moral of this is; Do your research on the bank before signing up for the store card. Plus, when you get angry with a company, be sure it is with the right department!
I have now chosen to avoid cards backed by Comenity Bank, and I hope others do too.
Yesterday, I visited the neighbors who got another new cat. Now, they have 2 cats and a bird. Bad Idea. They asked my opinion and after observing one of the cats obsessing over the bird..well… Cin would love to have a bird but, she would be in the same situation in an even smaller area. I had that situation once and wound up giving the bird to my mother.
The Mortgage Girl took a few days off to celebrate her Birthday, but, I have asked her to do a Hard Pull on my credit, tomorrow to see where I am at. It’s hard to be patient when there is literally nothing you can do to change the situation.
A while back, I did a post titled ‘Credit Or Not’. This is sort of a continuation.
I went back and forth with Hot Topic and their Credit Card Customer Service Department only to be told the Hard Pull was a “System Error” on their part. However, in order to get this off my report, I had to write them a letter for them to get hold of Experian. It was their fault! I shouldn’t have to do anything! But, I did that and also said if it was not a “System Error” and they are doing Hard Pulls on purchases verses new customers or late payments, they have lost a customer. What really pisses me off is it takes 30 days per Experian for a dispute to be resolved!
In good news, I received my GlutenEase today which I have been out of for a long time, so Cin is coming to get me so I can get my monthly sandwich from Port-Of-Subs. My stomach is growling just thinking about it.
I really don’t understand how Credit works and here’s why:
You need Credit to build Credit and if you don’t have Credit, it’s hard to start building. Sometimes, you need a deposit or an account where you put so much money in first in order to prove you will pay.
Here is my scenario:
The mortgage company said I needed my Credit to go up by 2 points before they do another Hard Pull. The other day my Credit score says one company went up one point and the other went down 12. I’m like, What the heck? Turns out, by using a store card I haven’t used in a while, my Credit score dropped. But, I have already made a payment, in hopes it will go back up quickly. Every payment I make on time..or hopefully earlier…raises my score. If I pay off both my open store accounts, I won’t have any Credit and that would totally hurt me, because I mainly use debit, which is not reported.
Woke up early this morning after playing games on my phone til 2:15, and was surprisingly full of energy. I got back to working on my Boundaries Workbook .. which needs to become a habit, again… and even worked out, as I colored my hair.
The same color..just darker again
Two friends have updated their hair color, lately; so, I figured it must be time.
My Mortgage Girl got in touch and my credit only needs to go up 2 points in order to be approved for a loan! Plus, the loan will be approved for more than the other girl said, so I will have more options open to me.
One question though for any of you Real Estate people out there: If I get approved for a specific amount, that does not mean I have to spend that whole amount, does it? Example, If I get approved for $100k, can I still choose a place for $70k? I don’t want to have to go really high just because I was approved. The mortgage girl said.. Let’s call her “MG”..that different banks approve different amounts and some won’t go lower. What exactly does this mean? Sorry, just realized that was two questions.
Anyway, I am excited because it looks like I might be out of here before the space rent goes up in October, which is my goal.
Also, and this might sound dumb, but, with Puma gone, my cats and I are ready for a new start. I still miss her hanging out by her… okay, she thought it was hers…wall heater.