Running a website about personal finance and saving money, I get some strange emails from time to time and yesterday was one of those times. I received an email from a person looking for help with her credit report:
…I can’t do anything I want because my credit score is too low. I had to file for bankruptcy and now they won’t give me credit cards unless they are secured. But I can’t afford a to pay for a secured credit card, so I need a regular credit card. But my credit score is bad, so they won’t give me one. I try to explain, but they don’t understand and won’t give me what I want.
I need some help. I tried to make them understand, but couldn’t. So I need someone that can make them understand. Please call the credit bureaus and tell them to raise my credit score. Then I can get the credit card that I need and they will understand.
I am trustworthy. I always do what I say I’m going to do. If you do this for me, I will pay you. All I need is the credit card so I can get a cash advance and then I will pay you. I know you are trustworthy too. So please help me and make them understand…
Now, besides the painfully obvious point that this person has some serious money/budgeting problems, what I found amazing was that anyone would think that I have the power and influence to tell the credit bureaus what to do. Other than super hero type powers, being able to tell the credit bureaus what to do would be right up there with the top skill sets to have in the world of personal finance. It would certainly be a extremely lucrative power to have and I don’t believe I would be writing this blog if I did, but unfortunately I don’t (I’m sure the email writer will also be disappointed to find this out). For those that are looking for ways to improve your credit score, you’ll have to try doing it the old fashion way or you can search for someone else that possesses the magical credit score power.