Credit reporting

 "I'm not going to pay you until you delete this from my credit report." Well look. We never would have heard a peep from you if you hadn't seen it there. The whole purpose of credit reporting is figuring out how well someone can pay back loaned money. I personally try to avoid borrowing at all if I can help it. If you give me an ultimatum about not paying if we don't delete the report, just think about other companies, or the company you gave the ultimatum to. What if you pull this stunt every time you borrow money, not paying until you get reported?

Someone is probably going to argue with me, saying they had an unfair situation with this or that company. Well, you're the exception. A lot of calls I get are not like that.