So today I went into the bank to setup up automatic bill pay for a credit card. While I was in there I asked about increasing my credit line to consolidate debt. They began to process this but I was denied because of a paid collections agency bill. This bill that I got was utter bullshit! The bill was from UCSC because I printed some documents and they did not post the bill for these documents until after I was no longer a student at the school. I have asked on several occasions if I owed anything and the schools response was that there were no holds on my accounts to prevent me from receiving my Diploma, I took this as them meaning I do not owe them money.

Fast forward a year and some months and I discover when attempting to order transcripts that I have a past due that has been sent to collections. What began as a $10 dollar charge cost me $160 dollars because it has been assessed late fees for over a year. Did they tell me this…NO! So I paid this because I needed my transcripts and thought “Fuck it, it is not worth arguing with them because it will take to long.” Now this credit agency has fucked my credit so I cannot, increase my credit to consolidate.

Bullshit.