We are reaching out to notify you of an issue we have identified regarding a tradeline created on your credit bureau from Spring Financial.
When you applied with Spring Financial, an account was created under your name; however, due to an error, the file submitted to the credit bureaus included inactive accounts. We have since corrected this and will be sending a revised file to the credit bureaus, informing them of the error. We have directly contacted both Equifax and TransUnion with an urgent request to address this matter promptly, however we have been informed that the update can take up to 30-60 days to reflect on each respective credit report.
We sincerely apologize for this oversight and want to assure you that once the incorrect tradeline is removed, it will have no adverse impact on your credit report or history.
We appreciate your patience as we work to resolve this matter. If you have any additional questions or concerns, please don't hesitate to reach out to us directly.
Thank you,
Customer Service
A girl who enjoys giving and receiving spankings, and wants to share her spanking experiences
Tuesday, December 31, 2024
Check your credit score
Back in October, I applied for a loan with Spring Financial. I didn't get the approval, which was eye-opening. I was also thankful that I didn't. I ended up getting a consumer proposal and focusing on fixing my finances.
Spring Financial recommended that I go with its plan of taking out a tradeline. It is kind of a loan, except that you pay a monthly fee to have this company report good things to Canada's two credit bureaus about your credit history.
I remember getting digital forms from Spring Financial. I declined signing them. I felt that this tradeline was a waste of money. I'd rather get a secured credit card and have that credit card company report my progress to the credit bureaus without paying a fee.
I went on Spring Financial's site and chatted with someone. I asked whether not signing would confirm that I didn't want the loan. The person said yes.
I had a feeling that it wasn't the case. Sure enough, I looked at my credit report that I get through Credit Karma. It's free, which is why I like it.
Spring Financial created a tradeline account for me on October 11. It reported that I was late with my payments for both November and December.
What?
First, I don't have a loan with this company. I never signed any paperwork. Second, it claims that I have a $5000 loan. I don't. Funds were never deposited into my account. Third, I missed payments for two months. I didn't know that I needed to because I don't have a loan.
A couple of days ago, I went back on Spring's chat. I got disconnected the first time. I got the same representative the second time. I wanted this alleged loan closed. I also wanted this company to fix the erroneous credit reporting to both bureaus.
Well, I got a response from Spring Financial yesterday:
The wording is poor. I identified Spring Financial's issue that directly affects me. I had to tell you about it so that you could investigate it further. Let's be clear. Had I not reported it, Spring Financial would be ruining my credit rating and other people's credit ratings.
I'll be watching my credit score and report like a hawk to make sure that this issue is fixed. Otherwise, I have no problem following up with Spring Financial. It should not be erroneously reporting to credit bureaus when I don't have any products from this company.
I recommend checking your credit score. You don't want a company ruining your score because it is erroneously reporting details to credit bureaus.
Friday, December 27, 2024
In a credit card bind and having to reach out to my ex
A couple of Thursdays ago, I drove up from the Twin Cities to Winnipeg. There was a snowstorm with reduced visibility. I managed to get to Winnipeg safely.
I had a problem checking into my hotel. I had a one-night stay before flying home on Friday. I also booked a hotel near Toronto Pearson International Airport in case I was too tired to drive home. My flight would get in late that night.
At the hotel in Winnipeg, my credit card was declined. I didn't understand why as I had just used it all day for fuel, food, and more.
I didn't have a backup credit card. My other credit card was in the mail. Canada Post was on strike. The strike is over, but it will take some time to get it.
I had to find someone to bail me out. It was 9:30 pm Central time. It was 10:30 pm Eastern to figure out who could help me out at this time of night.
I did something that I didn't want to do. I texted and called my ex. Naturally, he didn't pick up or respond.
He did text me over 24 hours later. I said that it was urgent. He didn't respond, so I moved on. All I got from that text exchange was a thumbs-up reaction from him.
He was too late. The usual.
It reinforced the fact that he has never been there for me when I needed him. I managed to find a friend who was willing to e-transfer $400 to me.
The hotel room was just over $200 a night. I needed to supply a security deposit, which I felt was ridiculous being almost twice the amount of my hotel room.
I checked out the following day. I immediately sent an e-transfer to my friend for the security deposit. Today, I sent the remaining funds that I owed to her for the room rate.
I am thankful that I have friends who are kind and trusting. I am truly grateful for their help.
It turns out that the hotel by the airport prematurely charged my room and deposit to my card. It explains why I couldn't check in at the hotel in Winnipeg.
I cancelled my reservation at the hotel by the airport. The funds were released. I wasn't impressed by this premature charging move.
What I should have done was to prepay for my hotel in Winnipeg. It would have guaranteed my stay without the hotel in Toronto getting to my card first with a premature hold.
I hope that I never have to reach out to my ex. I expected that he wouldn't jump at helping me. Sadly, I was correct.
Wednesday, December 25, 2024
Merry Christmas and more!
Hi, there! It has been a while. I hope that you are well.
I'd like to wish you a happy Christmas with family and loved ones, if you celebrate it. This year will be the first time in years in which I am not cooking a turkey dinner.
I just came back from a week in the Twin Cities and Winnipeg. I ended up catching a nasty cold. I have been sleeping it off for days. Right now, I feel the most energetic in days. I still have a phlegmy cough. At least I am on the mend and don't have to go back to work until the second week of January.
I was too weak and sick to hit the grocery store. I'm fine with soup and items that I have at home. It's just not a full-blown turkey dinner that I typically make for my parents and me.
On Christmas eve, I had a financial counselling appointment pertaining to my consumer proposal. The Teams link didn't work. I sat there waiting to be admitted. I cancelled the call, which prompted the woman to say that we could do it over the phone.
I have a lot of thoughts about my consumer proposal. I am happy with it on the whole. The firm preparing those who are going through one for the first time needs to provide more support.
I hope to write more here. It has been a challenge trying to focus when my blog has changed its original purpose. It will be about whatever I am experiencing in my life. I haven't thought about spanking in ages.
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