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DCH Ain’t Playin’ or Payin’

Right now, I’m on a mission to improve upon myself in every aspect of my life. I’m already making better choices in diet and exercise, time management, etc.  So, today, I decided to take a look into my credit worthiness, and let me tell you…. DCH ain’t playin’!!!

How about I have two charges on my credit report that have been there since 2011. These charges have significantly hurt my credit score. The sad thing is that I didn’t even know these bills existed. The even sadder part is that they’re for $3 each!

Nope, no typo.

THREE DOLLARS EACH… Two negative lines on my credit report caused by $6. I know you think I’m lying, right?

Now, if the bill started at $85, and I paid $82, why wouldn’t I pay another $3? So, I called the collection company to ask about the money, and the representative that assisted me said it’s common for people to have accounts in collections for medical bills of which they were never aware they had.

But here’s the part that made me chuckle: The rep asked me if I’d like to take care of the bill. Of course I would! Six dollars? Are you kidding me? Why not? So he says, “If you’d like, we can set you up on a payment plan.” Then, he starts laughing. He thinks this is a joke, but I have to admit that it made me laugh, too. I responded, “No, thanks.  I’d like to just pay it all at once. Thanks.”  Then, he hits me with the another line that really made me question whether or not I was in the twilight zone. “We can do check, debit, or credit.” I say, “Let’s do debit and just get this out the way,” which is when he says, “Ok. Now, that transaction does have a fee of $9.”


Being the lady that I am, I POLITELY say, “Have you lost your mind? Do you honestly think I’m about to pay a total of $15 for a $6 charge that I didn’t even know I had? REALLY? Look, what’s your address? The next time I’m in the area, I’ll just come and drop off the funky $6.”

However, instead, I’ll be mailing in a cashier’s check…. AND a letter, explaining why they need to get these little $6 NEGATIVE lines off my credit report. *insert nose-flared eye and neck roll ending with pursed lips right here*

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