Why Can't You Just Pay It?
When I met Husband, his credit wasn't the greatest. He had a few credit cards in the past; when he went through the divorce, he was late on a few payments. He and The Ex had bought a car through J.D. Byrider ( Horrible, horrible idea. Never buy from them, even if your life depends on it. ) and even though they returned the car, Husband was still liable for the balance because the loan had been in his name. We got that account cleared up and Husband was slowly but surely rebuilding his credit. One day, Husband bought an ATV and went to get a loan to help strengthen his credit more ( You know, proving he makes payments on time ) The woman at the credit union told him that his credit looked good with the exception of one account that was in collections ( Husband and I were both confused; we had been together for 3 years now and as far as we knew, the J.D. Byrider loan was the only negative thing affecting his credit; we had paid that off, so hi...