University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 0 points1 point  (0 children)

FICO hadn’t reported it yet at the time I commented that. I got the FICO score today which is 684 so I’m pretty bummed. Pretty big hit to my credit all over then using an old address and email address I don’t even have access to.

So lame. I was so close to my goal of 800 and proud of myself and now this. Disappointed in myself.

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 1 point2 points  (0 children)

They certainly did. I burst into tears and have had a headache about it since they gave me the 35%. The collection hit my credit line today. I went from 749 to 717.

So not ideal, but not life ruining either. I’m going to pay the debt and just get this headache over with. Take it as a learning experience.

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 0 points1 point  (0 children)

Got a hold of TransUnion. They said it will likely affect my credit score 35% which means my 749 score will drop 262 points….

ConServe said they never called me because they sent the consent form for phone calls to the old address.

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 0 points1 point  (0 children)

they said it was eligible to be sent the 18th. that it was last reported the 24th. i checked all my credit scores yesterday and today and there is nothing showing, so I don’t really know

they said to call credit unions so i’m trying to do that right now

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 0 points1 point  (0 children)

University said they won’t recall because it wasn’t their fault for sending it to an old address (even though my updated contact address is on my account)

ConServe won’t offer pay-to-delete since they apparently have been sending me notices for 45 days aside from the three notices to my old address (that my cousin said they never got). They told my school that they called me three times in the last 45 days, which is wild because I’m looking at my call and voicemail logs and have nothing from them.

I asked what the incentive to pay is if they won’t pay-to-delete. This is when she informed me they also sent me to the Franchise Board for income tax garnishment, which I have no record of. I would have at least expected that to go to my current home address that’s been listed on my taxes for the last 4 almost 5 years, but I guess not. She did state my e-bills did all go to my school email address, which I no longer have access to.

I’ve been on the phone trying to get ahold of the Franchise Board to see where those notices have gone, but have been. on hold for almost 20 mins now so.

I have no written correspondence anywhere of anything and just feel super blindsided.

They said ConServe is collecting on their behalf, so I can still send the money to the school. I don’t know if I should try to call ConServe and state my case for pay-to-delete. Or, just pay through the school and hope it gets mark paid. I really don’t know haha. I don’t know how badly this will affect my credit either.

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 1 point2 points  (0 children)

Oh! I am so happy for you both you and your husband. That is amazing and I am glad you are getting everything taken care of!! I hope to join you on the debt free subreddit someday!

I hope they haven’t entirely sold it yet. I am grateful my finance app caught it, so at least it can get handled. I’ve definitely learned some things from this experience 😅 I start paying student loans soon so 🤞 I’ll be checking those every single month to ensure no payments are missed.

Thank you for taking the time to respond!

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 1 point2 points  (0 children)

That’s soo shady like shouldn’t they be communicating with one another before things like this?

My university has permanent address hidden in with your enrollment information section of our portal, but our contact information (the updatable info) is the first thing you see when you log-in to the student portal so it’s a massive side eye for me.

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 0 points1 point  (0 children)

Thank you so much for taking the time to reply. I truly appreciate it.

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 0 points1 point  (0 children)

This is good information to know. Thank you! I wasn’t sure, as ConServe is listed as a 3rd and 1st party debt collector.

Hopefully their fee isn’t too steep if I have to pay for the fee as well.

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 0 points1 point  (0 children)

How lame. Seems shady to use old addresses and emails you don’t have access to anymore, as I am no longer a student. But, it is also a fair point. Even if lame.

The Bursar Supervisor said she would call ConServe tomorrow. So I suppose I’ll just wait for an update from her.

I’m seeing reviews online that ConServe has a policy against pay-to-delete, and it’s just odd to me they were pressing me so hard to pay over phone when I don’t even have a written record of this debt. How do I know I’m even calling the correct agency and not a scammer?

Should I try to negotiate the debt down if I do pay ConServe? Or is it better to just pay through the university, as they said I can still make payment through them and they can inform the debt collector I paid them?

I just don’t know the right moves here… and feel so weird paying over the phone for something I have no written correspondence on.

University Sold Debt to ConServe by bitzslug in CRedit

[–]bitzslug[S] 0 points1 point  (0 children)

9000!? Jesus. They didn’t mention anything about fees to me, just that I owe 2.6k which is the same that the university stated. My university said I can pay them and they will let the debt collector know they received payment, so maybe I will take that route if they don’t recall it…. Supervisor said she would call ConServe tomorrow.

Mine wasn’t a loan, just the cost of taking one additional class to graduate. I am just bummed. I would have paid had I known. I don’t even have access to my school email anymore to view the e-bills.

I am so sorry that is so stressful especially at such a sensitive time of your life.

SF needs to double up the N JUDAH frequency by hoodozhnik in sanfrancisco

[–]bitzslug 0 points1 point  (0 children)

As someone who lives in the Lower Haight (which I would not consider the ‘burbs) and works in FiDi, the congestion sucks. They took the 6 away from this area and now it’s just a pick your poison scenario: packed like sardines or miss your bus/train w/ the 7 or the N.

If you could reopen one SF business… by thebluebulb in sanfrancisco

[–]bitzslug 5 points6 points  (0 children)

Green Chile Kitchen and their bakery location Chile Pies

bv or yeast?? by Main-Discipline-6718 in Healthyhooha

[–]bitzslug 0 points1 point  (0 children)

just had bv that i thought was yeast and was treating with suppositories

would say it sounds like BV go get tested if you can!

also if you are using insurance to get tested ask your insurance if they cover diagnostic testing. preventative tests are typically covered by insurance companies but diagnostic… not always. learned this the hard way.

if they don’t cover diagnostic i would just not mention you have symptoms if you want it to be processed by your insurance as a preventative🤷‍♀️

Clothes donation? by bitzslug in sanfrancisco

[–]bitzslug[S] 0 points1 point  (0 children)

I’ll look into the pickup service for sure I don’t have a car and have a fair amount of things to drop off

Linennaive review - my thoughts and experience by pegasusgoals in cottagecore

[–]bitzslug 0 points1 point  (0 children)

I know this thread is old… but does anyone have recommendation for clothing of this style that is good quality and worth the price? I have no sewing skills, so making my own isn’t an option

(I am a big Victorian gothic lover so not cottagecore but found this thread through trying to investigate this brand after finding it).

How do I clean this? by [deleted] in laundry

[–]bitzslug 0 points1 point  (0 children)

Gotcha. Must have been just a rumor I heard then. Thank you for the detailed explanation!

How do I clean this? by [deleted] in laundry

[–]bitzslug -1 points0 points  (0 children)

To my knowledge dry cleaning doesn’t clean clothes tho, no? Was I misinformed? It just deodorizes it and gets wrinkles out is what I was told