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Message
re: Oh snap, FICO is about to get more racist/classist
Posted on 1/31/20 at 11:25 am to SlowFlowPro
Posted on 1/31/20 at 11:25 am to SlowFlowPro
These changes are obviously racist
0
Posted on 1/31/20 at 11:26 am to tigerfoot
You are naive or unbelievably wealthy if you think that you are prepared to pay for all possible outcomes of an ER visit. Just having insurance doesn't fix everything.
Posted on 1/31/20 at 11:27 am to SlowFlowPro
quote:I would pay out of network, although, as a parent of a kid with multiple surgeries and over a million dollars in a charges, in multiple hospital networks I have never had this occur. I did have it happen with one specialist that came in to assess him, but they took in network benefits with a simple phone call.
and what happens if the CNRA is outside of your network?
quote:As is the human body. But we seem to have a lot of people that assume it is going to be cheap to fix.
the problem with this reasoning is that it's too complicated with too may variables to actually prepare
quote:In an emergency of course not but if you go in with a broken bone I would imagine radiology, ortho, and the hospital would send a bill. If I got one from the dermatologist I would be a little pissed.
so you know every doctor, nurse, specialist, etc. that will be treating you in an emergency situation?
Posted on 1/31/20 at 11:27 am to Peazey
quote:I have a max out of pocket for the year. Do you not, I have never had a policy that did not have this.
You are naive or unbelievably wealthy if you think that you are prepared to pay for all possible outcomes of an ER visit. Just having insurance doesn't fix everything.
Posted on 1/31/20 at 5:41 pm to Papercutninja
quote:
FICO is a myth sold to consumers and rarely used by creditors.
Wrong.
Posted on 1/31/20 at 6:19 pm to tigerfoot
quote:So if I get into an accident and I’m unconscious and taken to an emergency room, did I willingly use their service?
you weren’t abducted and taken to the ER, you Willingly used the service.
Medical costs are utterly ridiculous and can bankrupt many people.
Posted on 1/31/20 at 6:31 pm to TH03
quote:I had something similar happen years ago.
A few years ago, my former company had a retard in the corporate payroll department fall for a phishing scam email and send said scammer the W-2s of everyone in the company.
My wife never checked hers until we went to move apartments a couple years ago. They ran out credit and said because of her score, we'd have to get a cosigner or pay an extra 2 months of rent as a deposit. She had been in a rollover accident a couple years prior with a friend driving which was the fault of the other driver.
Something like $150 of her medical bills went unpaid and a combo of the at fault lady not paying and the collection agency trying to contact my wife at an address she hadn't been in 4 years meant it just sat there delinquent.
We paid that and haven't seen any issues of anyone using my SSN for anything, but yeah, I monitor that shite.
I’d usually have my dad’s secretary run my FICO score at least once a year to keep tabs on it. I checked it one year and it had fallen over 110 points from the previous year. I was like WTF? My credit history showed I had a medical bill that was in collections. I had no idea what the frick this was because I’m pretty damn good about taking care of my bills and my credit score. She gave me the name of the collection agency and I called them. It was an $82 bill from a fricking lab that was almost a year delinquent. I asked her why I had never gotten a bill for it and she asked my current address. The stupid fricking lab was sending the bill to my old home that I hadn’t lived at for almost three years. Those fricking idiots ruined my credit. I paid the goddamn bill right then, and fortunately my credit score was back to where it was previously about a year later.
This post was edited on 1/31/20 at 6:32 pm
Posted on 1/31/20 at 6:35 pm to TH03
quote:
A few years ago, my former company had a retard in the corporate payroll department fall for a phishing scam email and send said scammer the W-2s of everyone in the company.
My wife never checked hers until we went to move apartments a couple years ago. .
i never understood how this stuff happened when i was in high school and college. now i'm surprised it doesn't happen way more often.
This post was edited on 1/31/20 at 6:38 pm
Posted on 1/31/20 at 6:38 pm to HECM62
quote:Very good point.
Credit is a measure of a person's willingness to pay. Income is a measure of a person's ability to pay. There is a segment of society that refuses to pay their bills, no matter the ability.
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