Unpaid electric bill mishap and credit report question
Question: Hi. Every month, I have my electric bill (I live in Michigan; my electricity provider is DTE) emailed to me. I usually pay the bill online when I get email that it’s ready to be paid. Unfortunately my emailed bills got tagged as spam for 3 months, and I didn’t realize it. As a result, I didn’t pay my electric bill for 3 months. I got a “last resort” paper bill from DTE (and a disconnection notice!!) last week, and I promptly paid the bill.
But that isn’t the problem. The problem is this: Because of the unpaid bills, I’m almost sure that DTE has put some bad information on my credit report. This is really upsetting to me, because until now, my credit report was perfect, and was my bargaining chip for lots of things. I have a 13-year credit history with a score in the high 700’s.
What can I do to reverse this? Who do I talk to in order to explain that it was a total mishap? To whom do I explain that my email is fixed, and that it’ll never happen again? Do I talk to the credit bureau? (Which one?) Do I talk to DTE? Do I talk to the 3rd party company that handles the ebilling, MyCheckFree?
It’s all such a mess now, and I don’t want to be on the phone for 3 hours with mean people. Please help.
Answer: For practical purposes, that isn’t true. The FICO credit score is all that really matters. And your explanation won’t have any impact at all on your FICO credit score.
Credit bureaus and FICO are like a court. They judge whether people have good or bad credit, by taking into account everything everyone says to them. But they take into account what the creditors say a lot more than what the debtors say. In other words, they’re a biased court. They don’t have the same legal constraints as most courts, so it’s perfectly legal for them to be heavily biased. They generally take the word of the creditors without question, and almost automatically reject whatever the debtors say.
A big part of our freedom depends on having unbiased courts. The credit court is one of our most important, for practical purposes, as it can determine what class you’re in, such as middle class, etc. Therefore a huge chunk of our freedom has, for practical purposes, been taken away by our credit system.
People who are unwilling to defend their freedom don’t deserve it anyway. If the American people weren’t such docile sheep, the credit bureaus and FICO would have been sued successfully so many times that none of them would exist anymore.
So don’t bother to put an explanation on your credit report. It just shows that you don’t understand. It’s like a cockroach trying to explain to a person with bug spray why the bug spray is unfair. The cockroach doesn’t bother to try to explain, because, being far more intelligent than most Americans, he knows the person wouldn’t hear him anyway.
If that cockroach wants to have one chance in hell of getting a fair deal, he has to explain to a judge why he thinks bug spray is unhealthy. He can’t do it by attaching an explanation to his credit report.
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