Man I am HOT right now..... stupid Trans Union credit reporting agency
So I co-signed on a computer for my best friend way back in 1995. His dad was a prick, we were both entering college, and he needed a PC. I had been his best friend since 6th grade, so I figured I'd help him out. So not too far into his 2nd semester, he gets into the hip, cool, drug scene. Now I am VERY MUCH against drugs, of any kind. And he was into just about it all - tho his main forte was acid, and the occasional weed joint. I quit talking to him, all he wanted to do was trip and listen to music.
Well, the FUCKER quit paying the account. So, about 2 years ago, I get a phone call, stating the account is delinquent, yadda yadda yadda. I had JUST gotten my job at Mot, hadn't spent my sign-on bonus yet, so I just paid the account off, right then and there. Didn't want to deal with it. The collection agency LOVED it, sent me a letter thanking me for dealing with it so quickly, etc. I even got the general manager's number, so if I ever had problems, to just call him directly. He said that everything will be removed from my credit report, etc.
And it was removed - from everybody EXCEPT Trans Unions. And guess who uses Trans Union?!?! Fucking EVERYBODY. Figures. I have been fighting with TU for 2 years now to clean my shit up... and they haven't done it.
So I just applied online to refi my house... it pulls up my credit report... and WHAMMO... they're still reporting it as UNPAID!!!!
I am going to have to make a VERY unhappy phone call to the agency tomorrow... AGAIN...
The lesson to be learned here is: don't EVER cosign for ANYONE, no matter HOW MUCH you think you know them!!!!! It will SCREW you for YEARS TO COME!!!!