Well today marks the end of the calendar year and the start of a new one. Time to review the year gone past and open up to welcome the new.
Year's End - Ted Kooser
Now the seasons are closing their files
on each of us, the heavy drawers
full of certificates rolling back
into the tree trunks, a few old papers
flocking away. Someone we loved
has fallen from our thoughts,
making a little, glittering splash
like a bicycle pushed by a breeze.
Otherwise, not much has happened;
we fell in love again, finding
that one red feather on the wind.
I was stuck in a nightmare I didn’t create. A former leasing agent never processed my roommate release after I signed the form and completed every step they asked for. I didn’t keep a copy. When I called the landlord later, they said they never received it, that agent no longer worked there, and because they couldn’t verify my side of the story they were going with the original lease. That meant I was still on the hook for a debt my roommate ran up after I was gone. The account went to collections and hit my credit reports. I asked about a pay-for-delete. They said they don’t do that. I asked the landlord to recall the debt. They said once it was in collections, they wouldn’t pull it back. I was trying to rent another apartment and this one item made me look like a deadbeat. I honestly thought I was stuck waiting seven years for it to fall off. Someone recommended Pinnacle Credit Specialist. I reached out, and within a few weeks they had every negative item removed. My scores went to Experian 800, TransUnion 802, and Equifax 804. I just got approved for my first house in the Pacific Northwest — $600k at 6.3%. We did it. If your credit is wrecked by something that isn’t even yours, don’t sit on it. I wish I’d called them sooner. Reach Out to them by email; pinnaclecreditspecialist@gmail.com
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