60 votes

That dropped call with customer service? It was on purpose.

53 comments

  1. [34]
    chocobean
    (edited )
    Link
    "I understand your frustration." This single scripted line fills me with more rage than whatever was broken to begin with. Not only does the company not understand nor care, but they have the...

    "I understand your frustration."

    This single scripted line fills me with more rage than whatever was broken to begin with. Not only does the company not understand nor care, but they have the audacity to barely pay another human being to lie and tell me they understand.

    Overly long “handle time”? He’d get dinged. Too few calls answered? He’d get dinged. Too many escalations to a supervisor? Ding. Ostensibly the goal of customer service is to serve customers. Often enough, its true purpose is to defeat them. [...] it’s punitive if they connect you to someone who could actually help.

    The last statement is a suprise to me.

    We as customers have gotten lazy.

    No, we haven't. Our choices have been removed through dismantling of unions, prevalence of offshoring, consolidation and collusion.

    Admin night sounds positively delightful. I want that for my friends but doing it in person is the only way it'll work.

    Lastly, I want to give a thankful shout out to another Tildes member who talked about how they got their government (? Or insurance) to cover a prescription and skipping sludge: by mass emailing every person they can look up addressed for and replying to ALL of them every time there is an update and auto response. Their advice was to be very polite but very persistent.

    It worked: i got money back from Ticketmaster, notorious for not giving refunds.

    Edit: Oh! Thank you for the gifted link, @gaywallet. Do you have any personal anecdotes about sludge?

    52 votes
    1. [7]
      kingofsnake
      Link Parent
      "We're experiencing higher than normal call volumes." ...All the fucking time??

      "We're experiencing higher than normal call volumes."

      ...All the fucking time??

      16 votes
      1. [6]
        Omnicrola
        Link Parent
        Translation: we intentionally understaffed our call center

        Translation: we intentionally understaffed our call center

        18 votes
        1. [4]
          slade
          Link Parent
          While true, they'll say that even if that's fully staffed with short call times. The real translation is "sure, you can wait abnormally long for us to answer, but wouldn't you rather hang up?*...

          While true, they'll say that even if that's fully staffed with short call times. The real translation is "sure, you can wait abnormally long for us to answer, but wouldn't you rather hang up?*

          Along with interrupting you every 20 seconds to say "thank you for finding", it's designed to make you hang up so they don't have to hang up on you

          9 votes
          1. [3]
            dhcrazy333
            Link Parent
            "Did you know, you can conveniently service your account online and avoid the wait times!" No, no I can't service my account online! I tried that already! That's why I'm calling! Because you...

            "Did you know, you can conveniently service your account online and avoid the wait times!"

            No, no I can't service my account online! I tried that already! That's why I'm calling! Because you specifically won't let me do the one thing I'm trying to do online!

            11 votes
            1. chocobean
              Link Parent
              Haha as an introvert who's definitely exhausted online options first, yeah, go away stupid voice message telling me to go online >:0 I wish they would just do wait music without the "dear valued...

              Haha as an introvert who's definitely exhausted online options first, yeah, go away stupid voice message telling me to go online >:0

              I wish they would just do wait music without the "dear valued client whose call is very important to us"

              4 votes
            2. slade
              Link Parent
              I can't tell you how many times I've said almost those exact words at my phone, usually in an emotional outburst.

              I can't tell you how many times I've said almost those exact words at my phone, usually in an emotional outburst.

              1 vote
        2. kingofsnake
          Link Parent
          And I hate giving shit to the staff because they don't make the rules, but come on.

          And I hate giving shit to the staff because they don't make the rules, but come on.

          4 votes
    2. [4]
      vagueallusion
      Link Parent
      Better than emailing addresses you can easily find try my favorite tool against the sludge: EECB (Executive Email Carpet Bomb). Basically you identify how a company emails are formatted (first...

      Better than emailing addresses you can easily find try my favorite tool against the sludge: EECB (Executive Email Carpet Bomb). Basically you identify how a company emails are formatted (first name and last initial, or last name dot first name, etc) then look up the corporate officers and high level management and blast your problem to the decision makers that just want the issue to go away.
      @BeardyHat

      13 votes
      1. [2]
        BeardyHat
        Link Parent
        Excellent, thanks. Far as I've been able to determine with some quick searching, looks like it's first initial/last name (no dots) . @enterprise.com So I collected what I would think would be the...

        Excellent, thanks.

        Far as I've been able to determine with some quick searching, looks like it's first initial/last name (no dots) . @enterprise.com

        So I collected what I would think would be the entire executive management team and I'm quite tempted to draft an email and shoot it off and cross my fingers. As for my end game? I guess I'm not sure. Maybe just a refund would be sufficient, as I really didn't appreciate what happened and the constant evasiveness from the customer service team.

        5 votes
        1. vagueallusion
          Link Parent
          My recommendation would be to try social media first, I don't use Facebook but sometimes their teams have more leeway than phone and email customer service. I find it best to have tried all...

          My recommendation would be to try social media first, I don't use Facebook but sometimes their teams have more leeway than phone and email customer service.
          I find it best to have tried all avenues before pulling out the big guns.
          If you do go through with the EECB, explain your journey in brief, and what you are asking for as politely as possible.

          Good luck!

          4 votes
      2. chocobean
        Link Parent
        Can confirm I did this with ticketmaster. Eat emails, jerk faces!

        Can confirm I did this with ticketmaster. Eat emails, jerk faces!

        2 votes
    3. Gaywallet
      Link Parent
      One of the most salient and annoying sludges I ever experienced was doordash support. There was an issue with my account where the credits they gave me for a failed delivery somehow broke the...

      Do you have any personal anecdotes about sludge?

      One of the most salient and annoying sludges I ever experienced was doordash support. There was an issue with my account where the credits they gave me for a failed delivery somehow broke the ability for it to process payment (the total credits exceeded the cost of any reasonable single meal). No amount of adding different cards would fix it. There is a second line of service which supports via email, but they do not keep on the same ticket, it goes back to an inbox which multiple people see and every single reply was from a different support person. In addition to changing the support person each reply, they are clearly incentivized to reply quickly, rather than thoroughly. I say this because I would get the same questions, for which my reply would be “please see the full email chain which is included, this question was asked by <representative> and the answer is in the reply”. I got stuck in an endless loop of this before I decided to just entirely give up on the app. There is no number you can call, there is no way to get a person who will read through the entire email to understand the problem and troubleshooting steps taken. It was hostile by design, and designed to make you go away.

      12 votes
    4. [5]
      BeardyHat
      Link Parent
      I wonder if I should try this approach with Enterprise Rent A Car. I just had a terrible experience with them and got fobbed off repeatedly over two days and many phone calls. I finally got a tiny...

      I wonder if I should try this approach with Enterprise Rent A Car. I just had a terrible experience with them and got fobbed off repeatedly over two days and many phone calls. I finally got a tiny refund upon returning the car, but I'm still pretty annoyed about the entire experience and I'm tempted to make myself a pain in the ass, just so they don't win.

      But it's also a hassle to do so and the experience is past now, so I'm not sure I want to go to the effort.

      11 votes
      1. [3]
        chocobean
        Link Parent
        I think it might depend on what the "win" is for you. If you were still waiting for full refund that might be worth a try. For me, the email was much easier than being on the phone for hours.

        I think it might depend on what the "win" is for you. If you were still waiting for full refund that might be worth a try. For me, the email was much easier than being on the phone for hours.

        6 votes
        1. [2]
          BeardyHat
          Link Parent
          At this point, I've already been on the phone for hours and it's gotten me nowhere. I'm not sure what my win condition is; previously I just wanted to get rid of this car that smelled like smoke...

          At this point, I've already been on the phone for hours and it's gotten me nowhere. I'm not sure what my win condition is; previously I just wanted to get rid of this car that smelled like smoke and was making me allergic as fuck. Now it's not in my life anymore, so I'm happy about that.

          But otherwise? I'm just kind of annoyed about it now and that no one would do anything for me. A refund would be cool, but honestly the bigger win would just be harassing some fuckface corporate executive.

          5 votes
          1. slade
            Link Parent
            It seems that the age of customer service is talking to someone with a stake in the company's success is a thing of the past, especially for national brands.

            It seems that the age of customer service is talking to someone with a stake in the company's success is a thing of the past, especially for national brands.

            4 votes
      2. vagueallusion
        Link Parent
        Take a look at my explanation of an EECB (executive email carpet bomb) above your comment. It is much more effective than blasting to the level contacts.

        Take a look at my explanation of an EECB (executive email carpet bomb) above your comment. It is much more effective than blasting to the level contacts.

        5 votes
    5. [11]
      JXM
      (edited )
      Link Parent
      The Andy Dufresne approach to dealing with customer service.

      Their advice was to be very polite but very persistent.

      The Andy Dufresne approach to dealing with customer service.

      4 votes
      1. [5]
        chocobean
        Link Parent
        I'm unfamiliar with Andy Duphrane. What did he want and did he win?

        I'm unfamiliar with Andy Duphrane. What did he want and did he win?

        1 vote
        1. PuddleOfKittens
          Link Parent
          It's the Shawshank Redemption protagonist. In the movie, he writes twice a week to congress (IIRC) for years in order to get $500.

          It's the Shawshank Redemption protagonist. In the movie, he writes twice a week to congress (IIRC) for years in order to get $500.

          12 votes
        2. [2]
          Positive
          Link Parent
          It's a reference to the movie The Shawshank Redemption. At one point, the character takes charge of a prison library and sends letters asking for money for books. He writes polite letters every...

          It's a reference to the movie The Shawshank Redemption.

          At one point, the character takes charge of a prison library and sends letters asking for money for books. He writes polite letters every week for a long time. He finally receives a response and a small amount of money. Instead of stopping writing letters, he starts writing twice as often. He eventually gets enough money for a major expansion of the library's collection.

          10 votes
          1. slade
            Link Parent
            With some humor in the middle (at least in the movie; I didn't read the book): after he got his initial $500, they said something asking the lines of "here's your money, please stop writing", and...

            With some humor in the middle (at least in the movie; I didn't read the book): after he got his initial $500, they said something asking the lines of "here's your money, please stop writing", and making his response that much funnier.

            1 vote
        3. JXM
          Link Parent
          He’s the protagonist of the Stephen King story (and subsequent movie version of) The Shawshank Redemption. Basically, he is a prisoner who wants to build out the prison library. The warden says...

          He’s the protagonist of the Stephen King story (and subsequent movie version of) The Shawshank Redemption.

          Basically, he is a prisoner who wants to build out the prison library. The warden says no, so he writes a letter every single day for years until the administration finally gives in.

          Here’s a good write up about his character and the power of persistence.

          4 votes
      2. [5]
        zipf_slaw
        Link Parent
        Duphresne, it's a French surname.

        Duphresne, it's a French surname.

        1 vote
        1. [4]
          DefinitelyNotAFae
          Link Parent
          Dufresne, probably also because it's French in origin. I love the Shawshank movie.

          Dufresne, probably also because it's French in origin.

          I love the Shawshank movie.

          1. [3]
            zipf_slaw
            Link Parent
            typical, I attempt to correct a misspelling and make another. [eyeroll emoji]

            typical, I attempt to correct a misspelling and make another. [eyeroll emoji]

            1 vote
            1. [2]
              DefinitelyNotAFae
              Link Parent
              I relate very hard and hope you know my reply was in good humor.

              I relate very hard and hope you know my reply was in good humor.

              1 vote
              1. zipf_slaw
                Link Parent
                oh yeah, no worries, I try not to mind being corrected on the facts. I just get frustrated with myself for the errors and lack of attention to detail or due diligence. Thanks!

                oh yeah, no worries, I try not to mind being corrected on the facts. I just get frustrated with myself for the errors and lack of attention to detail or due diligence. Thanks!

                1 vote
    6. [3]
      Habituallytired
      Link Parent
      Ah, that was me who posted about stalking all of those in power who could help! I'm so glad you got your money back from Ticketmaster after trying! <3

      Ah, that was me who posted about stalking all of those in power who could help!

      I'm so glad you got your money back from Ticketmaster after trying! <3

      4 votes
      1. [2]
        chocobean
        Link Parent
        It was you!!!! *Grabs your hands and dances in a circle ~~ * scatters petals ~~ * lay garlands at your feet blowing kisses ~~~ :D thank you again, you've shared a treasure with me that will keep...

        It was you!!!! *Grabs your hands and dances in a circle ~~ * scatters petals ~~ * lay garlands at your feet blowing kisses ~~~

        :D thank you again, you've shared a treasure with me that will keep on being golden for me for the rest of my life. And with any luck, my kid will pick up on this skill as well

        3 votes
        1. Habituallytired
          Link Parent
          Please share far and wide! Everyone needs to know how to get those in power to yield to the masses! <3 <3 <3

          Please share far and wide! Everyone needs to know how to get those in power to yield to the masses! <3 <3 <3

          3 votes
    7. [2]
      dhcrazy333
      (edited )
      Link Parent
      In a similar manner, nothing makes me feel less valued as a customer than when I hear "dear valued customer".

      "I understand your frustration.". This single scripted line fills me with more rage than whatever was broken to begin with.

      In a similar manner, nothing makes me feel less valued as a customer than when I hear "dear valued customer".

      4 votes
      1. slade
        Link Parent
        "Dear valued customer #7115433, thanks for holding. We value you. Please hang up, though."

        "Dear valued customer #7115433, thanks for holding. We value you. Please hang up, though."

        1 vote
  2. [3]
    Protected
    Link
    Seems like those CEOs are saying just that, silently or not. Everyone knows this is how things currently work. I'm very medieval about this stuff. I keep a ledger in my brain. If a company does...

    “No one says, ‘Let’s do bad service,’”

    Seems like those CEOs are saying just that, silently or not. Everyone knows this is how things currently work.

    I'm very medieval about this stuff. I keep a ledger in my brain. If a company does this to me, they are attacking me. I fight back in every way I can, boycotting their products, denying them business, pestering higher ups if I can, sharing my stories online, making sure friends choose a competitor, until I feel like they have lost an amount of value equivalent to the damage I took. Then maybe we're even, depending on how impractical alternatives are or not.

    The problem is one of scale, though. The article fails to mention the fact that there are a lot more people now, in absolute terms. The greater the number of customers, the smaller the impact of each individual customer's actions. And often when trying to fight back online you are drowned out by manipulation and disinformation (see: amazon reviews), although there are certain ways to suceed even so.

    It wears you out, but we need to have a culture of fighting back by default. It's the only way to ensure that even if we can't coordinate effectively, bad behavior from these companies translates into bad results due to the uncoordinated actions of their mistreated customers.

    25 votes
    1. kingofsnake
      Link Parent
      The volume of customers is something I didn't consider - it likely has changed the game for help desks across business.

      The volume of customers is something I didn't consider - it likely has changed the game for help desks across business.

      4 votes
    2. hobbes64
      Link Parent
      This is the point of all of it. There is a limited resource: Support There is a higher demand for support than the supply. They could increase the supply by hiring more employees, but that would...

      This is the point of all of it.

      There is a limited resource: Support

      There is a higher demand for support than the supply.

      They could increase the supply by hiring more employees, but that would cost them money.

      They could charge for support, which would reduce demand and maybe increase supply.

      But instead they put a gate on the support so that you have to pay with another limited resource; your own time.

      Fighting back is an option for the customers, but it is an expense of personal time they bear in time instead of the company.

      2 votes
  3. Mendanbar
    Link
    I enjoyed this section very much. I also really like the concept of "Admin night". I might have to implement that in my own life.

    What happens to the car next? I asked. I was told that if returned vehicles could be repaired, they could be resold with disclosures. But was Ford obligated to fix the defect before selling it? No one could give me a clear answer. I pondered options for warning potential buyers. Could I post something to Yelp and hope it somehow got noticed? Hide a note inside the car somewhere? Publish the Vehicle Identification Number—1FMCU0KZ0NUA29474—in a national magazine?

    I enjoyed this section very much. I also really like the concept of "Admin night". I might have to implement that in my own life.

    23 votes
  4. [2]
    kfwyre
    Link
    This doesn't work for all circumstances, but I've used it before to good effect when dealing with sludgey nonsense. I mentally call it "the communication chain." Here's what you do: Document the...

    This doesn't work for all circumstances, but I've used it before to good effect when dealing with sludgey nonsense. I mentally call it "the communication chain."

    Here's what you do:

    • Document the date and type of each contact, as well as the point of contact.

    • Contact repeatedly at regular intervals. Depending on the urgency this could be as much as daily, though my general rule of thumb is three to seven days.

    • With each subsequent contact, initiate by "reading back the chain" of all previous contacts.

    A made up example:

    Hi Sarah,

    I called your office on July 1 and spoke to Roger about [whatever the issue is]. He directed me to email you, which I did on July 1. I did not hear back from you and sent a follow-up email to you on July 4 and again did not receive a reply. I contacted Roger again on July 7, and he did not reply. I am now reaching out to you again [July 10] in hopes of resolving [the issue]. If you are not the point person for this, please let me know who I should be contacting.

    This one has three points of prior contact: July 1st, 4th, 7th. On the next contact (say, July 13th) I would add the July 10th contact to the beginning. And if that one fails, I'd add the July 13th one to my July 17th email/phone call.

    Yes, it's a little bit obnoxious, but that's sort of the point. It does a couple things:

    1. It shows that you're documenting everything, which makes them more likely to take you seriously.
    2. By doing it repeatedly with the same individual(s), you're showing that you're applying what little accountability you have in the situation to them making them more likely to take action on their end.
    3. The longer the chain gets, the more it becomes a liability for them. You're effectively using their own sludge against them by repeatedly documenting their inaction.
    4. It's effective in-person or on the phone because it's a passive aggressive way of saying "I'm pissed off right now" while maintaining politeness.
    5. It's especially effective in email, because you're creating a written record.
    6. It makes escalating your complaint much more of a concern for them, because they know that, if it gets there, you're going to read back the chain to a higher-up.

    I got my masters degree from an accredited but very sketchy and poorly run program. I had to use this tactic multiple times with them. After generating those first couple of links in the chain, however, I was usually able to get what I wanted either out of persistence, or by me "threatening" to take my chain of communication up one link in their chain of command ("I would like to escalate this to someone who can solve this problem -- who should I contact?"). I think my longest chain with that program was in the 8-10 range, and with them I gave a full WEEK between points of contact (it was literally part of my Monday routine at the time).

    I will fully acknowledge that it sucks that I even have to do something like this in the first place, and I fully realize that the people on the receiving end aren't at fault, but, in the face of sludge, this is one way I can try to gain some leverage in the situation.

    21 votes
    1. Gaywallet
      Link Parent
      I have also found this tactic to work reasonably well, however, systems are getting increasingly hostile and unfortunately even this doesn't work great for systems by which phone calls are the...

      I have also found this tactic to work reasonably well, however, systems are getting increasingly hostile and unfortunately even this doesn't work great for systems by which phone calls are the only way to get things moving. I remember recently a string of phone calls where I documented who I had spoken with and when to get something resolved, and let me tell you when you start your call off with 5 minutes of an explanation, it rarely goes anywhere (you're already destroying their metrics and more likely to get sent off into the ether of some vague "we'll get back to you" or "wait for a phone call" or what have you).

      9 votes
  5. vagueallusion
    Link
    I am surprised that there were no mentions of two powerful tools against the sludge: EECB ( Executive Email Carpet Bomb):Identify how a company emails are formatted (first name and last initial,...

    I am surprised that there were no mentions of two powerful tools against the sludge: EECB ( Executive Email Carpet Bomb):Identify how a company emails are formatted (first name and last initial, or last name dot first name, etc) then look up the corporate officers and high level management and blast your problem to the decision makers that just want the issue to go away.
    This can work well for small and mid-level businesses but large companies are harder.

    Also don't forget about the Attorney General for your state. This should be your last resource but can be the ONLY thing massive companies fear.

    My list for dealing with customer service in chronological order: regular customer service, manager, corporate, social media, EECB, lastly State or Federal agencies.

    15 votes
  6. [3]
    knocklessmonster
    (edited )
    Link
    Keeping it, but redacted. Apparently there's actually a service improvement here, or at least mitigation of other issues. I have been in cars bounced out of line for ordering 12 cheeseburgers, but...

    The overarching issue I've seen is that there's this emphasis on metrics that affects a large amount of society. McDonalds sort of suffers from the "sludge" issue, but it's more of a "fudge," you place a mundane order, Big Mac combo with fries and a coke, and they bounce you out of the line so some poor schmuck can schlep it to your car from the front door. This diminishes the customer experience (backing up what should be an auxillary zone for longer orders), diminishes the worker's experience (having to go out to a car, compared to the drive-thru window), but checks that one little box that the folks upstairs want: that interaction at the window was less than 90 seconds.

    Keeping it, but redacted. Apparently there's actually a service improvement here, or at least mitigation of other issues.

    I have been in cars bounced out of line for ordering 12 cheeseburgers, but that takes a long time, so is not the issue.

    All of this comes from a perversion of what companies exist to do: Facilitate transactions for goods and service. I feel like "Make money" should be the second, asterisked point that is important, but can only happen, and frankly happens better, when people actually like engaging with your services. You need to spend a little more on credits due to fuckups? Great! The customer will make up for it in the future. Cataclysmic event happened and you need to refund every flight? Do the right thing so they'll remember that and re-book with you later.

    It's this weird Jack Welch, optimize the crap out of everything mindset that's leading to a collapse of customer service when the shit hits the fan. Part of it is a response to people taking advantage of customer-benefiting policies, but most of it is this weird game of optimization where profits are all that matter, not actually doing a good job at your job at the company-wide level.

    This wasn't intended as a rant, but some stuff that pissed me off when I went to school for business administration. We talk about "core competencies," and for a lot of companies, making money should not be the primary focus. Profitability often just comes with doing good work and having repeat business. I feel like we just live in an era of losing dollars while we chase cents, or at least inflicting misery that will lead to the loss of many more cents down the road.

    11 votes
    1. chocobean
      Link Parent
      Ahh, see, but customer retention and gaining back lost customers is another department altogether. We'll get them all back when we simply consolidate all the smaller alternatives they have. Until...

      Ahh, see, but customer retention and gaining back lost customers is another department altogether. We'll get them all back when we simply consolidate all the smaller alternatives they have. Until then, we collude with the other big players to make sure we're all equally horrible and there's not point switching. Alternatively, we market only to corporations by lowest bid, so that their employees have no choice but to use us and none of our service quality matters: the worst we treat them and the faster the employee is defeated, the more we can lower the cost and make the corporate client even happier.

      8 votes
    2. Minori
      Link Parent
      I worked at McDonald's when they added the parking for drive-thru orders. It makes a big difference to volume during peak, and that's why they do it. It's not about cheating the 90 second metric...

      I worked at McDonald's when they added the parking for drive-thru orders. It makes a big difference to volume during peak, and that's why they do it. It's not about cheating the 90 second metric (they do that in different ways). It's about handing out food as fast as possible and keeping things moving.

      If they have the order for the car behind you, they'll park you to keep the line moving. Cars are huge and drive-thru's are super inefficient which is why there are efforts to add more ordering stations and hand-out points.

      6 votes
  7. [9]
    snake_case
    Link
    Anecdote, I was in a car accident a couple years ago. Lady pulled out in front of me on a main road and there was nowhere for me to go but into her. Collision went down as her fault, her insurance...

    Anecdote, I was in a car accident a couple years ago. Lady pulled out in front of me on a main road and there was nowhere for me to go but into her.

    Collision went down as her fault, her insurance paid for the car which was like 20 years old so, cheap. They offered me a price just close enough to the bluebook price that it wasn’t worth arguing. Whatever.

    These mfers would not pay my hospital bill. I went because I had a head injury. I called a few times asking for a proof of payment because the hospital kept sending the bill to my moms house (old address) and the rep just gave me the runaround. Eventually the rep on vacation and never came back.

    That bill is on my credit report now. I never use my credit so I don’t care enough to go through the now ridiculous hassle of fixing that.

    11 votes
    1. [4]
      Minori
      Link Parent
      Usually that would turn into a lawsuit. You'd almost certainly have a case.

      Usually that would turn into a lawsuit. You'd almost certainly have a case.

      11 votes
      1. [3]
        snake_case
        Link Parent
        Shouldn’t I start with calling their insurance agency again though if I’m gonna continue that battle?

        Shouldn’t I start with calling their insurance agency again though if I’m gonna continue that battle?

        3 votes
        1. [2]
          Minori
          Link Parent
          Usually your own insurance agency would be involved in suing their insurance to cover medical fees. You'd have to find a lawyer to get more details. Since it was a couple years ago, it might be...

          Usually your own insurance agency would be involved in suing their insurance to cover medical fees. You'd have to find a lawyer to get more details.

          Since it was a couple years ago, it might be difficult to dig things back up.

          5 votes
          1. snake_case
            Link Parent
            The problem was they’re both the same insurance company. Me and the other driver used the same company.

            The problem was they’re both the same insurance company. Me and the other driver used the same company.

            4 votes
    2. [4]
      chocobean
      Link Parent
      Oh yikes that might have long lasting impact on....your credit? I suppose if you never need to borrow money or try to open a luxury credit card for points/perks I guess that's okay? If it happened...

      Oh yikes that might have long lasting impact on....your credit? I suppose if you never need to borrow money or try to open a luxury credit card for points/perks I guess that's okay? If it happened today, I would advise a personal injury lawyer to go after their insurance.

      6 votes
      1. [2]
        Minori
        (edited )
        Link Parent
        Most things fall off your credit report after 7 years.

        Most things fall off your credit report after 7 hours years.

        4 votes
        1. DeaconBlue
          Link Parent
          Amazing how fast things can go nowadays.

          7 hours

          Amazing how fast things can go nowadays.

          9 votes
      2. snake_case
        Link Parent
        Yeah I’m really privileged to be at a point in my life where theres really nothing I need my credit for. Last thing I used it for was buying a house six years ago. It happened in 2023, and Id...

        Yeah I’m really privileged to be at a point in my life where theres really nothing I need my credit for. Last thing I used it for was buying a house six years ago.

        It happened in 2023, and Id probably start with just calling their insurance agency again before I lawyer up.

        I figure if I ever need my credit its because Ive been laid off from work for over a year, so seems like Id have the time for that struggle.

        3 votes