SunAnvil
62992
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Bullshit was proposed.......
....and bullshit was called
FP Edit - I can't find the original post where all this came from so I guess the bullshitter backed out. As for the person that called the BS, good job and I hope you see this as I can't remember your Imgur name.
JoeKreeg
Impossible. You don't even start to pay student loans until after you're done school.
Rydinger
Unverified
Cool, but I couldn't imagine caring enough to make an entire post calling them out
DWandRFaremyspiritbeings
I have that shit cached. He made the post private here: http://imgur.com/BlWGpZv Poster is http://imgur.com/user/ihateyoumr1o1
ohheyimalex
Well the advertisers are smart enough to get shit like this to the FP, they earned it!
MisterRangotango
Sorry I was a bit shaky this morning :/
Devante
I knew it was an ad when I saw that weird URL for "checking your credit".
vancerefrigerator
Fun fact, banks can and will sue you for student loans https://studentloanhero.com/featured/being-sued-by-debt-collector/
designjunkie
A 601 is bad? Mine is 200 points less than that... all medical ;~;
sunderedcycle
Every time you check your credit score it drops. It drops period no matter who checks it. God knows why but that's how it works.
SpartanFlyboy
LASSAAAAAAANNNNN PAAARRRTTT TWWWOOOOOO!!!!
TheImgurWarsMadeMe
Too many Ns.
MissTCShore
Sue the bank if they approved a loan with an invalid signature. You didn't sign, you don't owe. Get a lawyer.
ForgotMyOtherAcct
That's.. not realy the point of this post, it is pointing out that the other post was fake
MissTCShore
Ah, I see. I only read about halfway down..... My bad.
imonewiththeforceandtheforceiswithme
Mine kind of did this. They told me they were paying* (*some. The rest were loans I was responsible for. I found out at graduation)
emkev
Yea I'm pretty sure my parents pushed me into college to claim my dependency and education credits. Could have waited and got larger grants.
EliMFrost
Why'd you blackout their name? Maybe I want to go upvote this so more people know
cyno01
Its gone. I (and im sure many others) reported it and it was gone not long after it hit the FP.
SunAnvil
I also posted on Reddit r/quityourbullshit and they have a rule so the originator doesn't get doxxed.
ArtMadeofYourComment
That's probably a good policy...
CigaretteMan
Just because it's available doesn't mean people know about it. I didn't. The post very well may be fake, but that part is a very weak point.
Starcatcher1986
If if you don't know that it's available free, posting the url of a paid service in a sob post is suspect, at best.
CigaretteMan
Well, I've seen the commercials for free credit reports, but having actually dealt with those services, I know "free" has some caveats.
Starcatcher1986
Well, as a rule of thumb, anything that has a commercial out involve somebody trying to get money from you.
Starcatcher1986
*Even if
heXonyou
Fun fact, banks can't sue you for student loans.
mremaknu
Fun facts are not fun unless they are facts. Don't make shit up.
vancerefrigerator
This is objectively false.
themerman
Incorrect advice much?
DJScrambles
Congratulations, you are officially an idiot.
tehzpoon
https://studentloanhero.com/featured/being-sued-by-debt-collector I'll put this here to make it easy to find. Credit to @vancerefrigerator
Jabral
They can still garnish can't they?
Jabral
I suppose I should've clarified my student loans were all subsidized/unsub through the fed (US) govt and then go through a 3rd party
vancerefrigerator
They can sue you and they can garnish if they win. This guy has no idea what he's talking about. Source: collections paralegal
heXonyou
no, only government loans can garnish
vancerefrigerator
Not true. https://studentloanhero.com/featured/being-sued-by-debt-collector/
Vortex153
Hahahahahahahahahahahahaha... breath... hahahahahahahaha. Oh, so naive.
RedIronCrown
A court settlement between two private parties can be enforced by garnishment. Happens all the time with child support.
RogueBullet
Used to work debt collection on auto loans. Better belive we garnished
imgurcommocrugmi
Fun fact, banks actually have to pay off your student loan for you and also give you a million dollars.
HalifaxSamuels
Man, that fact was fun!
MildlyIrateBomber
And a handjob!
AGuyFromHawaii
his comment is so full of ignorance that I imagine your rebuttal is hurr hurr college isnt a right/I paid mine etc etc
imgurcommocrugmi
I'm just exaggerating his incorrect statement into an even more incorrect statement, but to comical levels. Not a right fact, a fun fact!
vancerefrigerator
Seriously, this guy is full of it. Google student loan lawsuit. This happens ALL THE TIME. Don't listen to this horrible financial advice
HappyEngineer
Depends where you are. UK loans are written off if you don't pay them back after X years
NorthCrown
Same here, but it's like 25 years. Good luck getting a mortgage in the meantime
Kommanche
They don't affect your credit rating in the UK.
HappyEngineer
Not such a big deal here, repayments are taken from earnings like a tax and if you're earning below the cap there's no charge at all. >
HappyEngineer
No minimum payment means no risk of defaulting on said payment so it's not such a big deal for lenders.
youwontlikemycomments
just never take any advice from imgur is good advice
HappyJello
I'm not sure if I should listen to you or not
youwontlikemycomments
you have learned
middlehead
The free credit report does not include your score. If you want that, you either pay or go with a "free" site that uses you to make money.
Grouseman
You can in the UK using experian, sign up for a 30(?)day trial, and cancel.
CreepyPhlox
Also most credit card providers provide your score for free if you have an account with them.
SwarthyBastard
Yup, just checked mine and was gonna say this. I went with myfico.com.
thepunnypenguin
I have a Discover card and they send me a report every month. I don't love the card and rewards, but I keep it for the report.
frogjg2003
My bank gives a monthly score update.
Talmorean
You bank also has it.
wheresthebaby
Credit karma is def free
Strostkovy
I use credit karma. I think it pays for it with giving you credit card and loan offers. But they are pretty unobtrusive.
Ostinisdehsechz
i love credit karma. my scores suck ass because im a dumbass but its helpful to say the least if you're tryning to rent
imonewiththeforceandtheforceiswithme
It's an estimate based off publicly available info, not an actual score pull. They're kinda accurate, my real on ended up being better!
Strostkovy
They seem to do really well, at least for me. Both of the calculation methods give the same score.
Jeanemon
ahhaha it scored me 50 points higher than my bank pulled me for my mortgage, so that was supes embarassing.
imonewiththeforceandtheforceiswithme
Ouch that sucks, hopefully you were still able to get it! Credit scores suck nuts and I wish so much didn't rely on them
Jeanemon
Bumped me up a litte percentage wise for my mortgage. I almost had a 2.5, think I finished at a 3.0. still, pretty good.
thisisjustmytemporaryusername
My bank now gives my score once a week.
Andalite
What bank is that my friend
thisisjustmytemporaryusername
Both chase and capital one do it. Called creditwise or something. I bank with Chase and my car is financed through Capital One.
whitepolarbear
Wellsfargo started doing that recently
lightningirl12
Discover puts your credit score on your bill. So you get it monthly which is nice n
IAmGodot
Not necessarily banks, but Citi, Amex, CapitalOne, and Discover all give free credit scores.
IHazAwoken
Capitalone and USAA do it for me. Capitalone is more accurate.
Qumefox
Yeah I have a capitalone CC too and I get it. I forget how often they allow it to be checked though.
IHazAwoken
Everyday. Only updates every 7 days though
MrsAcacia
I use Capitalone. Works well and the simulator is informative.
IHazAwoken
Love the simulator