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:

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

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.

Restoring my phone thanks to crappy app updates

Yesterday, my phone was acting up. After a number of automatic app updates, a number of apps weren't working properly afterwards

When I launched any e-mail app, it would flash and close up. I also had issues opening my Amazon, Sephora, and Rogers apps.

Normally, I can uninstall and reinstall a problematic app and I'm good. It didn't work for any of them. You also can't uninstall the Gmail app on a Google Pixel phone.

I ended up erasing everything on my phone and installing my data from a backup that had occurred three hours earlier.

Other than signing into every app that I use, my phone works well again. Man, I'm tired!

Grammatical mistakes in Fifty Shades of Grey and ways to fix them

I downloaded Fifty Shades of Grey, the movie, a week ago. My guy did something sweet. He bought me the Blu-Ray version of the movie, just in case I wear the digital version out in some way or it gets corrupted. 

It is good that I have decided to refrain from reading the trilogy. I have been advised by a number of folks that the grammatical errors would drive me insane. 

I write for a living. These days, my role at work has changed to being a technical editor, reviewing work by my fellow writing peers. I would not enjoy reading any of the Fifty Shades books with so many grammatical issues.

I found this link on the top 9 grammatical mistakes in Fifty Shades of Grey. The article also proposes how to fix them.

Wordiness, which often leads to awkward sentences, annoys me. I also don't like comma splices. Sure, avoiding passive voice is important. However, you can't avoid using it sometimes.

I am glad that my guy didn't buy me the book set. It would be uncomfortable to tell him to return them. He would likely spank me for rejecting his gift, but I would enjoy that more than reading the books!