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Joined 2 years ago
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Cake day: June 13th, 2023

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  • Waaaay easier on a longer timeline too! I first used Linux in the late 90s when the things the author of this piece talks about were true. You really did need to understand more than an average computer user just to get Linux installed.

    That hasn’t been the case in a long, long time now, at least not with the easier distros.

    What articles like this often fail to discuss is that Windows took effort for everyone to learn at some point too. Same with macOS. Same with your smart phone.

    Learning anything requires effort, and not everyone wants to invest that effort - which is totally okay if they already get what they need from whatever they’re already using. But I wish that people would stop exaggerating how hard Linux is to learn simply because it will require effort.


  • As far as I can recall, there will simply be a note on your credit report that the collection is contested. For the small credit union where I worked, contested or not, you were disqualified for all loans and credit.

    I haven’t worked in that industry in 15 years now, but I don’t imagine much has changed.

    I hate our credit system and I think it needs to be torn down. It’s predatory and we don’t even attempt to educate people about how it works (or we didn’t when I was in school).




  • As a former loan officer, I would caution against leaving unsettled debt even if you’re in the right. They can and will report you to a collection agency because the agency buys that collection amount from the rental company (and hope to get to collect more than they bought the debt for originally).

    It doesn’t actually cost the rental company anything, but it will damage your credit (and contrary to popular belief, no collection records just disappear from your credit history). You’ll also then have a harder time finding new housing.

    OP, talk to a lawyer.