Today I called a creditor to make payment arrangements regarding my account. After taking a small financial hit, I wanted to ensure my account remained in good standing despite my situation.
The CSR recommended I let the account go 'delinquent' before they could do anything for me. Did I hear that correctly? Do not make a payment, then we can help you.
Right. Screw up my credit. Great advice. Obviously the person on the other end of the phone was merely (a) doing their job or (b) going thru the motions with the appearance of doing their job or (c) had no idea who they were talking to.
If I want to damage my credit score, I can do it on my own.
Being advised to is an entirely different matter.
That's how we do things, the representative said. Indeed.
I called again. As this so-called advice did not sit well with me. Spoke with another individual who made the same recommendation. It's the only way, so-in-so advised.
After requesting a supervisor, the demeanor changed. Clearly I wasn't going to heed this bad advice. The supervisor won't tell you anything I haven't, she cooed.
I insisted upon speaking to one, regardless. Reluctantly I was passed to someone who actually assisted me with options, available programs to participate in and described in great detail what would be viable arrangements in no nonsense terms.
Had I not persisted--I might have shot myself in the proverbial foot.
Don't believe everything they tell you.
Trust your gut instincts.
Keep asking your questions until you feel satisfied you've explored all the options.
Then and only then should you chart your next course of action.
Caveat emptor. Indeed.
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