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Since 2007 I've rented four other apartments, had background checks run on me, and even leased two cars.

Did it effect the final price on anything or cause me to be rejected from anything.

Again, I know this because I know the hedge funds that are the ultimate beneficiaries (not the banks, or the credit card companies). There's usually other terms in the fine print, by the way. No problem: they borrow money from the US government, and the government will seize customer savings accounts if the bank defaults. I'm being very rough here, but that's 0 billion in potential profits. Easy: they pay 3 to 6 cents for every dollar you borrowed. Maybe they give the collection agencies, on average, two cents. By the way, hedge funds analyze these collections of bad credit card debt like they would any other investment. It's "I will do X, and if I don't satisfy my responsibility, you can do Y". And this is how banks make money: the difference between that 20% (give or take) and 0%. There's about a trillion dollars in credit card debt out there. They have 100 Ph Ds who have already modeled out how many people will default. Why would a hedge fund buy your debt once you start to default? They outsource to either collection agencies or law firms in your local area to collect from you. In 1994, collection agencies would call me and I would get scared. They'll take it because it's like free money for them. They are pretty happy to collect on anything so they will probably say yes. It cost me 00 last time (in 1999 - those library fines were haunting my rating). They want to sell you things regardless of credit score. In one case I had to promise to pay an extra months rent as security. I felt really had about my dad and my mom and even S. I was an expert at solving Rubik's Cube when it first came out and was popular. Get that hot date sorted, totally free at Wed, 0000 View Less than a month to Valentine’s Day! couldn't pay him back "yet." This call happened at least once a week. Default in the credit card industry is, by itself, an entire industry that many people benefit from. But here's the good news: not everyone will follow this advice. But if you are struggling and your kids need food and your marriage is at stake and you lost your job, then simply stop paying your credit card debt and follow the process I describe above. I would say mortgage debt also but that's another post. They can actually threaten you with court action and they might not be bluffing. It's not like friendship debt where you need to pay back.

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