I can't say I'm surprised at being refused an apartment due to my bad credit score. As established in the previous post, that's just the way things are done 90% of the time now in Canada even though it don't make no kind of sense. But then a whole helluva lotta things we do in Canada, banking is high in the running for best example, don't make no kind of sense.
During my research for my last post I learned that there are two places - two private, for profit businesses (not government agencies, boards, or commissions) that compile debtor data and establish credit scores. These scores have somehow become cherished and protected bits of bogus information that we all protect like they are pets or children. Anybody remember teachers back in the day who, faced with the realization that the student was not being intimidated by them any more and would continue to misbehave would say, "That will go on your permanent record!"? The gasps and exclamations of terror from anyone within earshot represented the sum total of the power of the mystical permanent record in that it existed only in the minds of the dumb schmucks who fell for the con and the grifters and scammers who were perpetuating the myth. Our permanent records were nothing but carefully manufactured records used by people in authority to scare us into behaving like obedient students.
Folks, I am starting to believe that credit scores are not a whole lot different. They're just carefully manufactured scores compiled by entities who want to scare us into behaving like obedient consumers. We're trained to believe that they reward honesty and punish delinquency and cheating but in my experience I have found evidence that they are exactly the opposite. Because the institutions that compile and calculate the scores are private businesses they operate under the same auspices as other companies that not only don't punish unethical behaviour from their workers and customers (creditors) but can actually reward it.
I explained my situation in the last post in which Telus made it impossible for me to cancel. Recently there have been efforts by the CRTC to force the big three telecom providers to allow people to cancel more easily but those efforts are no damn good to me now are they? They're about three or four years too late, as it were. I have a bad credit score and a $550 debt because Telus took advantage of impotent laws that were not being enforced that WERE on the books saying a company has to make cancellation as easy as signing up. We've always had these laws across Canada but this is the kind of law you can get away with breaking if you are a monopoly. Telus broke the law, made it impossible for me to cancel, actually sent me fraudulent bills even after my account with them was zeroed out, sent those fraudulent charges into collection, and caused my bad credit score and $550 debt. Those are the facts and they are not disputed.
But in my last post I speculated that calling the credit dispute lines that Equifax and TransUnion have would most likely be an exercise in futility. Since I'm off today and just doing laundry I figured I'd put my theory to the test. I called 1 800 871 3250 and after the requisite phone gymnastics I was shocked to receive an option to press 2 and speak to a representative. It wasn't more than 5 minutes on hold either until I got my phone call answered by a human being. He didn't even have an Indian or Filipino accent! Was I wrong? Was I underestimating Equifax? This was intriguing...
So I got the usual introduction: My name is flabbetyfuckfuck and I will be assisting you. Nobody enunciates their names when their job is working for a helpline the purpose of which is to offer anything but help. So right there I lost a bit of the flash of hope I received when a human answered. I said, "What did you say your name is, Raoul?" He paused for a long time and said, "Yes." So it WASN'T Raoul but the name he was working under today was something that sounded like Raoul. Although, he had a French accent so maybe it was. It doesn't matter. You see, I don't care that much about the identity of the person on the other end of the phone when I am trying to do something about a fraudulently acquired debt and credit score. Unfortunately, Raoul took a familiar tack, one I've experienced with a few Canadian government organizations and consumer help lines I managed to reach humans on: the old we cannot help you if we can't verify who you are ploy.
I gave Ben a few pieces of information and he was able to get my credit score and tell me how much I am on record as owing. I gave Raoul so many different pieces of information about myself over the next 25 minutes that there is nobody else on the planet it could have been, but without a utility bill or a piece of ID with my current address on it, Raoul was not satisfied that he knew who he was talking to.
He told me I needed to write to National Consumer Relation Box. That was confusing. What the hell is a consumer relation box? I said, "Do you mean organization or agency or something like that?" "No, box." "Okay whatever. Continue the address." "190 Montreal, Quebec.H1S 2Z2. So it was National Consumer Relations Box 190... you greasy Frenchman. I wish I'd said that but didn't.
He said I need to send them the front and back of my health card and passport (which don't have my address), a bank statement with an address on it and a letter stating that I want to update my address. Include Social Insurance Number, date of birth, phone number, and address. And here I said, "And then tell them what I just told you about Telus and how they cheated me and that's how I have bad credit?" He says no, just ask them to update your address so they can verify who you are.
I said at almost the 30-minute mark, "Okay stop right there Raoul. IF you were able to verify who I am, or IF the people at the Consumer Relation Box were able to verify who I am, would I get any help? For instance would anyone be able to contact Telus and ask them to verify my account there and see if what I am saying is true?" "No, we were unable to verify your identity so I would suggest you contact the collection agency or contact Telus and make the payment or get a statement from them stating that you do not owe them. We have received this information that you owe from creditors." I said, "Yeah, who lied. And you believe them. So there's nothing you CAN do is there? Except get me to pay Telus who I don't owe anything. What I want to know is can you make this right, not can you make me pay. It's not right for me to pay. I don't owe Telus anything. Can you believe me instead of believing Telus?" Raoul says, "We would require letters, okay?" I respond with, "Well as I've been telling you I can't contact Telus. The only time I was successful they told me I don't owe them anything, yet here we are." "In that case sir I'm very sorry to inform you that this is the best that I can do for you at this point in time."
So then I gave up trying to be nice. I said, "Well that's about what I expected. You're not really legitimate, are you? You believe the corporations and not the people they're screwing." He then says, "You can get in touch with the legal department..." Right! I can't even get in touch with the BILLING department who fucked up my bill! The person I got in touch with and told me I owe Telus zero asked me for the email of the assholes who kept sending me bills and even SHE was throwing around the word "fraud" when referring to them. She said she'd report them to the Telus fraud department and get things straightened out, but I guess she never did. I continued, "This is fraud, I hope you know this. Your organization is supporting fraud." He then says to me, "You can contact the legal authorities for this, okay?" I said, "I guess that's all I can do isn't it?" He then asked if there was anything else he could do at this point and I said, "No. There's nothing you can do. You did your job." And I hung up.
So it's pretty much exactly what I expected. At "Equifax" there is no equality and they don't deal with facts. The Creditors are never doubted and the debtors are guilty until proven innocent. In order to clear my credit I need to get a letter from Telus saying "Yeah, we sure did break the law and block you from discontinuing your service. Hell, we also fraudulently charged you for two extra months after your internet was switched off. And that ain't all, we charged you a shit ton of interest on the charges we fabricated! We screwed you good boy!"
These collection agencies are just corporate shills helping businesses keep Joe consumer in line and their help does NOT confine itself to the legal limits of Canada. Which begs the question, why the fucking fuck are people falling all over themselves to take these things seriously? Why have we allowed them to become so invasive? I need to find a place to live. Do I have to go out and get a fucking credit card so I can do that? How is this system any different from this shit:
I'm almost proud to have a bad credit score. Maybe I'm a bad Canadian citizen. The way this country is going, maybe I should be proud of THAT too.










