WEBVTT - Ep. 40 — Girls Interrupted 0:00:16.480 --> 0:00:18.120 We live, We laugh, We laugh. 0:00:18.360 --> 0:00:22.680 Hey Mandy, Hey, how are you on this rainy Sunday? 0:00:22.800 --> 0:00:24.639 This glorious day the Lord has made. 0:00:24.960 --> 0:00:26.680 I know, you know, I actually I kind of like 0:00:26.680 --> 0:00:30.160 a rainy Sunday because it's a nice lazy day you 0:00:30.200 --> 0:00:32.640 can just chill. I was already like planning out. You 0:00:32.640 --> 0:00:34.680 don't understand. Like before we got on, I was like, 0:00:34.720 --> 0:00:36.800 what should we eat for dinner? I'm always pre planning 0:00:36.800 --> 0:00:38.560 my meals, like in my head, just because I like 0:00:38.600 --> 0:00:40.519 to eat. And I was like, ooh, chili. And I 0:00:40.560 --> 0:00:42.720 got so excited that we're going to have chili for dinner. 0:00:42.840 --> 0:00:48.880 The best part of weekend is deciding what to eat exactly. 0:00:49.040 --> 0:00:50.000 Forget Polders. 0:00:51.240 --> 0:00:53.120 I have not left my I have not left my 0:00:53.159 --> 0:00:55.960 little my new cave, this room that we live in 0:00:56.000 --> 0:00:58.440 now at my in law's place. I haven't left all morning. 0:00:58.520 --> 0:00:59.959 I don't know where em fiance is at. 0:01:00.080 --> 0:01:03.600 He loves You're like, bring me back sustenance. 0:01:03.760 --> 0:01:05.720 I heard the rain pitter pattern and I was like, ooh, 0:01:05.760 --> 0:01:10.040 an excuse, let me just right. We were out and 0:01:10.080 --> 0:01:11.720 about all day yesterday. 0:01:12.160 --> 0:01:13.920 Really, what you guys do well? 0:01:14.040 --> 0:01:17.959 My little baby brother's in town, Alex James as I 0:01:18.000 --> 0:01:20.319 call him. He's in town for a Governor's ball. You 0:01:20.360 --> 0:01:23.919 know that that, you know music festival that young folks 0:01:23.959 --> 0:01:25.480 go to when they stand up all day and watch 0:01:25.520 --> 0:01:28.959 people sing. I don't know, no, not my cup of tea. 0:01:29.000 --> 0:01:31.360 But I met up with him and his friend back 0:01:31.360 --> 0:01:35.120 in my old neighborhood for brunch and that was really nice. 0:01:35.160 --> 0:01:36.000 He's so grown. 0:01:36.840 --> 0:01:38.240 Oh how does he take it over? It? 0:01:38.480 --> 0:01:44.240 Twenty four going on forty four. When I tell you, 0:01:44.280 --> 0:01:46.360 we was sitting down. I hope his girlfriend doesn't listen, 0:01:46.400 --> 0:01:48.360 but if you're out there, I'm sorry. He was sitting 0:01:48.360 --> 0:01:51.880 there talking about how with such conviction and it's not 0:01:51.920 --> 0:01:53.720 like that he's always been this way. He's like, I 0:01:53.840 --> 0:01:56.480 just feel like my purpose is to have kids. I 0:01:56.520 --> 0:01:57.880 can't wait to start a family. 0:01:58.400 --> 0:01:58.600 Yay. 0:01:59.360 --> 0:02:01.400 And he's like, I don't care what anybody says. I've 0:02:01.440 --> 0:02:03.600 always known this. People say you're not supposed to know 0:02:03.640 --> 0:02:05.640 what you want when you're so young, but I've always 0:02:05.640 --> 0:02:10.880 known I wanted this, And I was like, okay, okay, okay, congrats, congrats. 0:02:10.919 --> 0:02:12.720 He always was the more stable one. I was the 0:02:12.720 --> 0:02:14.400 one who was like, you know, I'm going to move 0:02:14.440 --> 0:02:16.440 to Chile. I'm gonna move here, I'm going to live there, 0:02:16.560 --> 0:02:20.120 oh New York, you know, and uh, but he's got 0:02:20.120 --> 0:02:22.120 his he's got his head on straight. But it's it's 0:02:22.200 --> 0:02:25.040 kind of like it like takes me aback sometimes by 0:02:25.040 --> 0:02:29.520 how like serious and adulting he is. I was not 0:02:29.560 --> 0:02:31.440 that way when I was twenty four, for sure. 0:02:31.760 --> 0:02:33.280 Not at all kind of thing. What was I doing 0:02:33.280 --> 0:02:36.240 at twenty four? No, I mean honestly I had There's 0:02:36.280 --> 0:02:38.359 definitely some moments. I feel like I was way more 0:02:38.400 --> 0:02:39.720 serious in my twenty. 0:02:39.520 --> 0:02:42.079 You had a house, well, like really young though, right. 0:02:42.200 --> 0:02:44.919 At twenty five, Yeah, but I wasn't. I was. Yeah, 0:02:44.919 --> 0:02:46.679 I was way more serious in my twenties than I 0:02:46.720 --> 0:02:48.679 am now my thirties. So like in my twenties, you 0:02:48.720 --> 0:02:50.840 would have met me and you'd have been like, okay. 0:02:51.200 --> 0:02:52.560 I was like, yeah, so I have my four one 0:02:52.639 --> 0:02:56.200 Kitlin and I've got my financial priority, like I had 0:02:56.200 --> 0:02:58.840 a house, I had like fifty thousand, thousand, saving eight 0:02:58.919 --> 0:03:01.400 or two credit score. I mean, I was an adult. 0:03:01.800 --> 0:03:04.440 And then my mom was like, so, what are you 0:03:04.480 --> 0:03:06.440 gonna have fun? And I was like, what's that? You 0:03:07.120 --> 0:03:10.480 and Daddy taught me to like handle business. I'm handling 0:03:10.520 --> 0:03:13.000 business and they were worried because I cause I didn't 0:03:13.080 --> 0:03:15.720 know that. I didn't know how to have fun because 0:03:15.880 --> 0:03:17.799 my whole life they had taught me to be responsible. 0:03:18.240 --> 0:03:20.440 And I remember my mom was like, you don't even 0:03:20.520 --> 0:03:23.240 like you wear the same clothes all the time, Tiffany, Like, 0:03:23.760 --> 0:03:25.440 you know, you should go out and have fun with 0:03:25.480 --> 0:03:27.360 your friends. I'm like, no, I could put that money 0:03:27.360 --> 0:03:31.920 in savings. My parents actually, out of desperation, gave me 0:03:31.960 --> 0:03:34.880 five hundred dollars to buy new clothes. Meanwhile, I had 0:03:34.920 --> 0:03:36.560 like tens of thousands of my bank accounts, but I 0:03:36.560 --> 0:03:40.000 took it. I'm sorry abouty Sorry daddy, And I bought 0:03:40.040 --> 0:03:42.440 new clothes. But meanwhile I bought new clothes all on sale, 0:03:42.760 --> 0:03:45.760 all mixed separates that I could wear with different outfits. 0:03:45.760 --> 0:03:48.320 I mean, like yeah, and then when I lost my 0:03:48.400 --> 0:03:51.120 job during the recession, it shook me up and like 0:03:51.160 --> 0:03:53.320 made me realize that, like, you never know what life's 0:03:53.360 --> 0:03:54.800 gonna bring, so to enjoy it. 0:03:55.240 --> 0:03:57.240 This is true. Yeah, I lost my when I was 0:03:57.280 --> 0:03:59.240 twenty four. I had gotten laid off. That was my 0:03:59.320 --> 0:04:01.800 first I was twenty four, right, how old was I 0:04:01.840 --> 0:04:04.680 when I moved to New York? Who knows? I forget 0:04:05.320 --> 0:04:08.160 it's been so many years. But yeah, my very first 0:04:08.200 --> 0:04:11.640 job here was laid off. I got here and I 0:04:11.720 --> 0:04:14.600 like got a mattress, I bought an iPhone. I was 0:04:14.600 --> 0:04:17.839 so excited. And promptly two months after my hire, I 0:04:17.880 --> 0:04:20.280 was let go as part of like a ten percent 0:04:20.520 --> 0:04:23.760 global staffing. It was at a big magazine, old magazine. 0:04:23.960 --> 0:04:27.760 I can just say it's Reader's Digest, and yeah, I 0:04:27.800 --> 0:04:29.920 was completely cut loose and I had like no savings 0:04:29.920 --> 0:04:32.240 and that was my I'm really I'm really grateful for 0:04:32.279 --> 0:04:35.000 that though, because I feel like it was a perfect 0:04:35.040 --> 0:04:37.640 wake up call for me. And it was. I mean, 0:04:37.680 --> 0:04:39.479 it's the entire reason I got into what I do 0:04:39.560 --> 0:04:41.960 now writing about money, because I, you know, had no savings. 0:04:41.960 --> 0:04:43.599 I wasn't prepared, and I was like, well, that's not 0:04:43.640 --> 0:04:46.800 going to happen again, and just decided that I was 0:04:46.839 --> 0:04:48.760 never gonna cause you can have you never know what's 0:04:48.760 --> 0:04:50.280 gonna happen when you work for someone else. You can 0:04:50.279 --> 0:04:51.960 always be let go. But I just made it my 0:04:52.920 --> 0:04:57.240 mission to like never be taken by surprise financially. 0:04:56.760 --> 0:04:59.400 Again, you know what I mean, Yeah, for sure, But it. 0:04:59.400 --> 0:05:02.039 Is that balance. It's like you want to be smart 0:05:02.080 --> 0:05:03.640 about what you're doing. But you also want to live 0:05:03.640 --> 0:05:05.359 your life because you can get hit by a bus tomorrow. 0:05:05.440 --> 0:05:08.560 So exactly, it is such a hard balance, right because 0:05:08.600 --> 0:05:10.839 sometimes you sway all the way one way. You're like, okay, 0:05:10.880 --> 0:05:13.000 but you're likely not going to be hit by a 0:05:13.000 --> 0:05:15.719 bus tomorrow, so I need you not to spend every penny. 0:05:15.960 --> 0:05:20.560 But no, yeah, you're right, you know. But then you're like, 0:05:20.880 --> 0:05:22.919 then you're like, okay, you're you're preparing for the future, 0:05:22.920 --> 0:05:24.719 that's all you're doing, and you're like, you're not living 0:05:24.720 --> 0:05:28.520 for today. It's it's definitely, I think a pendulum swing 0:05:28.520 --> 0:05:30.799 that I'm always trying to especially me as a libra. 0:05:31.040 --> 0:05:33.440 I always trying to find my balance, like okay of 0:05:33.560 --> 0:05:36.760 living life and enjoying but also like recognizing there might 0:05:36.760 --> 0:05:43.200 be more life. So let's prepare. Yes, any any fun 0:05:43.240 --> 0:05:45.320 things in the news, Any despicable news? 0:05:45.400 --> 0:05:48.000 Oh there's oh despicable. Yeah, we can start with the despicable. 0:05:48.080 --> 0:05:52.040 There is I giggled at this. I'm really surprised it 0:05:52.040 --> 0:05:54.160 was a New York Times story. But so there is 0:05:54.200 --> 0:05:58.240 this group wait, let me pull up the actual lead 0:05:58.320 --> 0:06:01.160 of this story. There's this group called pop Out Boys, 0:06:01.240 --> 0:06:06.200 a rap collective from bedsty and Brooklyn apparently, so all 0:06:06.400 --> 0:06:08.960 they like write music and put out mixtapes or whatever. 0:06:09.200 --> 0:06:12.280 They wrote a rap song about their credit card fraud ring. 0:06:12.839 --> 0:06:16.359 Oh my gosh, some of the lyrics were were in 0:06:16.400 --> 0:06:18.400 their credit card fraud with that you can go online 0:06:18.440 --> 0:06:20.679 the dark Internet and you can like buy credit card numbers. 0:06:20.680 --> 0:06:23.560 So whenever you hear like home Depot credit card members 0:06:23.600 --> 0:06:27.080 got their you know, information hacked, what happens with all that, 0:06:27.160 --> 0:06:31.599 Like when these scammers steal thousands and millions of credit 0:06:31.600 --> 0:06:33.760 card numbers and information, they'll post them on the dark 0:06:33.800 --> 0:06:35.680 web and they'll sell them like one hundred bucks for 0:06:35.720 --> 0:06:39.039 this credit card with one thousand dollars limit, five hundred 0:06:39.080 --> 0:06:41.719 bucks for Stacy Brown with a ten thousand dollars limit. 0:06:41.760 --> 0:06:44.520 You know. So these guys would go online to buy 0:06:44.560 --> 0:06:46.800 these credit cards and then go rack up. They racked 0:06:46.839 --> 0:06:49.160 up more than two hundred and fifty thousand dollars worth 0:06:49.160 --> 0:06:52.680 of goods from Barney's and Sacks Fifth Avenue over the 0:06:52.760 --> 0:06:55.280 last year. But the fact that they wrote a song 0:06:55.880 --> 0:06:57.320 this is I don't even know if I'm gonna get 0:06:57.320 --> 0:06:59.080 the I'm not a rapper, my little brother is so 0:06:59.240 --> 0:07:02.200 pardon me. But the lyrics are I'm cracking cards because 0:07:02.200 --> 0:07:06.000 I'm a scammer. Watch the money do a backflip early 0:07:06.080 --> 0:07:10.120 morning at Saxon. Yeah you want it, you have it? 0:07:11.160 --> 0:07:13.840 Yeah, Mandy, you better, you better give us that rend? 0:07:17.000 --> 0:07:18.040 What idiots? 0:07:18.840 --> 0:07:19.119 Right? 0:07:19.360 --> 0:07:21.760 So they got caught obviously, I. 0:07:21.760 --> 0:07:23.560 Don't know why what is wrong? Because you know right now, 0:07:23.560 --> 0:07:26.200 like on Instagram, that's like the funny cute thing to 0:07:26.240 --> 0:07:30.640 talk about that you're a scammer, like you know, basically, well, 0:07:30.840 --> 0:07:33.680 the Instagram comedians. I follow a lot of Instagram comedians 0:07:33.680 --> 0:07:35.880 and like that's they do a lot of skits like 0:07:35.920 --> 0:07:38.240 making you know, teasing at that. But there's a lot 0:07:38.280 --> 0:07:42.320 of scammers. Back in the day before uh, before I 0:07:42.320 --> 0:07:46.520 guess it became digital, it was the bootleggers. Oh yeah, 0:07:46.640 --> 0:07:48.640 you know, Like so there's always a like to get 0:07:48.680 --> 0:07:51.840 over people. Like even Superman. He would tell me like, oh, 0:07:51.880 --> 0:07:54.360 like we would drive past someone, He'd be like, oh, 0:07:54.440 --> 0:07:55.880 such a suppose to be out of jail. I'm like, well, 0:07:55.880 --> 0:07:58.200 who's that? He's like, Oh, that's the is the bootleggers 0:07:58.200 --> 0:07:59.920 and the boosters. So the boosters are the people who 0:07:59.920 --> 0:08:02.320 go to the mall and steal like boosting is like stealing, 0:08:02.360 --> 0:08:04.680 like retal products and stuff and then come back to 0:08:04.920 --> 0:08:07.360 come back to wherever and sell them. And I'm like, so, 0:08:07.400 --> 0:08:09.840 I guess now things have gone online, and. 0:08:09.840 --> 0:08:11.200 Like it's so much easier now. 0:08:11.600 --> 0:08:14.640 Yeah, what like someone well it was like old school. 0:08:14.640 --> 0:08:17.520 But someone stole my credit card? Did that tell about 0:08:17.560 --> 0:08:18.440 that the other day? 0:08:19.040 --> 0:08:20.480 I don't think so. 0:08:20.480 --> 0:08:22.960 So I went to the laundromat and I dropped my 0:08:23.000 --> 0:08:24.880 credit card at the laundrymat. And I knew I did 0:08:25.000 --> 0:08:27.800 because when I got in the car and I drove 0:08:28.000 --> 0:08:30.320 like I was going to like Marshall to return something, 0:08:30.320 --> 0:08:31.880 and before I got out of the car, I was 0:08:31.920 --> 0:08:34.800 looking for my credit card and I said, hey, it's missing. Well, 0:08:34.800 --> 0:08:36.840 I haven't gotten at a car since the laundromat must 0:08:36.840 --> 0:08:39.680 be there. Drove back, it's like a five minute drive away. 0:08:39.960 --> 0:08:42.400 Came in, was like, hey, do y'all have my card 0:08:42.400 --> 0:08:45.160 and they were like, no, we don't have it. So anyway, 0:08:45.280 --> 0:08:47.600 fast forward ten minutes later, I go home to check 0:08:47.640 --> 0:08:50.280 my balance and I thought maybe I dropped it in 0:08:50.320 --> 0:08:52.280 the car, but I couldn't find it. I checked my balance. 0:08:52.640 --> 0:08:56.280 There's someone who ordered forty dollars worth of cheese steak, Like, 0:08:56.360 --> 0:09:00.240 what are you low? 0:09:00.280 --> 0:09:00.679 Ambition. 0:09:01.200 --> 0:09:04.240 Yes, forty dollars worth of thirty seven ninety nine three 0:09:04.280 --> 0:09:07.880 effect worth of cheese steak from some cheese steak place. 0:09:08.240 --> 0:09:11.360 And I was like okay, and I call the credit 0:09:11.360 --> 0:09:14.320 card companies obviously, and like you know, quickly canceled my 0:09:14.400 --> 0:09:16.720 card and you know, reported the fraud. And in the 0:09:16.760 --> 0:09:19.080 morning I saw I had another charge. I'm like, how 0:09:19.160 --> 0:09:21.640 is this possible? But I guess it didn't post right away. 0:09:22.080 --> 0:09:24.800 It was at the same dry cleaner. I had dropped 0:09:24.840 --> 0:09:26.720 up my dry cleaning. It cost me forty bucks and 0:09:26.720 --> 0:09:29.360 I saw another charge for forty six bucks, and I'm like, well, 0:09:29.840 --> 0:09:32.559 that's not me. So I called the dry cleaner and 0:09:33.280 --> 0:09:35.600 they searched the tapes and they're like, we see you 0:09:35.600 --> 0:09:38.160 coming in, oh, Tiffany. We see you throwing your garbage 0:09:38.160 --> 0:09:40.680 bag that you had your clothing away, and when you 0:09:40.720 --> 0:09:43.080 threw at Tiffany in the garbage, we see the card 0:09:43.080 --> 0:09:45.200 fall from your hand, and they're like, okay. We see 0:09:45.200 --> 0:09:48.080 a client, a customer coming after you. We see him 0:09:48.120 --> 0:09:50.679 pick it up and throw it toward the desk and 0:09:50.720 --> 0:09:53.080 miss but he doesn't realize he misses. Then they're like, 0:09:53.160 --> 0:09:54.920 uh oh, now we see an employee pick it up. 0:09:54.960 --> 0:09:57.280 Look to the left, look to the right, pocket the card. 0:09:57.840 --> 0:09:59.000 It was an employee. 0:09:59.480 --> 0:10:04.320 Yes, and then this employee because I mean, clearly, when 0:10:04.360 --> 0:10:07.040 God was passing our brains, they were getting cheese steak. 0:10:08.760 --> 0:10:11.359 This employe wouldn't used the card at the drug cleaner. 0:10:11.440 --> 0:10:13.800 Yeah, at the same dry cleaners were where you were. Honestly, 0:10:13.840 --> 0:10:15.440 I would not have been able to find them if 0:10:15.480 --> 0:10:17.640 they had just stuck the cheese steak. But no, they 0:10:17.679 --> 0:10:20.440 were like, let me use it for my friend and 0:10:20.480 --> 0:10:22.760 like pay for his clothes. So they were The dry 0:10:22.800 --> 0:10:26.000 cleaner has literally like forty cameras every angle of the 0:10:26.080 --> 0:10:28.200 dry clean and so they were able to watch them 0:10:28.760 --> 0:10:32.280 use my card. And obviously they were fired, and you know, 0:10:32.440 --> 0:10:34.800 so it's all good now, but we wouldn't have I mean, 0:10:34.840 --> 0:10:37.040 I would have gotten my money back regardless, But now 0:10:37.080 --> 0:10:39.319 this person is gone, and I'm like, how dumb. You 0:10:39.320 --> 0:10:41.760 should have just stuck the cheese steak and just just 0:10:42.440 --> 0:10:45.920 enjoyed life, but you decided you wanted to call your 0:10:45.960 --> 0:10:48.800 friends and them and say, hey, come on down, girl, 0:10:48.800 --> 0:10:51.520 I got a card and your your laundry is on me. 0:10:52.920 --> 0:10:55.000 I'm laughing, but I get so angry at that kind 0:10:55.040 --> 0:10:57.520 of thing. Oh, I hate it when you people steal 0:10:57.600 --> 0:10:59.320 from people. It's just all right. 0:11:01.080 --> 0:11:03.280 It is hard when someone steals from me because it 0:11:03.320 --> 0:11:06.079 feels so personal, but to them it's impersonal. 0:11:07.280 --> 0:11:08.920 I guess I don't know why they want to steal 0:11:08.960 --> 0:11:12.800 that worthless bottle, but you know what I mean, Like. 0:11:12.840 --> 0:11:14.760 Cause I remember there was like in middle school, there 0:11:14.800 --> 0:11:18.280 was like a rash of thieves. It sounds funny now, 0:11:18.280 --> 0:11:20.679 but at the time, as a middle schooler, who's say, 0:11:20.760 --> 0:11:23.199 if you're allowance, you finally have five bucks. Losing it 0:11:23.240 --> 0:11:25.800 is like losing your leg. So like we would go 0:11:25.800 --> 0:11:27.760 to gym class and then we didn't even have lockers 0:11:27.800 --> 0:11:29.520 on our lockers at the gym. You know, you have 0:11:29.600 --> 0:11:31.920 your little locker and your book bag inside your own 0:11:32.480 --> 0:11:34.400 and your locker and you come back and then all 0:11:34.400 --> 0:11:37.120 of a sudden, like everybody's money was missing, and we 0:11:37.120 --> 0:11:40.840 were like no, and I was like devastated, and we 0:11:40.920 --> 0:11:43.080 found out it was like a friend of ours, and 0:11:43.120 --> 0:11:45.560 she was like so notchingant, like well, I mean I 0:11:45.600 --> 0:11:46.760 wanted to get the doll. 0:11:47.480 --> 0:11:50.920 We were like, girl, where are your parents? 0:11:51.200 --> 0:11:53.400 Yes? And so it was just crazy. It's how we 0:11:53.440 --> 0:11:55.360 caught her, because you know, middle schools are so extra. 0:11:55.800 --> 0:11:57.800 Someone was like, Okay, you know what I'm actually gonna 0:11:57.800 --> 0:12:01.000 I'm gonna hide in the bathroom after everybody goes into gym, 0:12:01.120 --> 0:12:03.880 I'll put my legs on the toilet and we're gonna 0:12:03.920 --> 0:12:06.000 see who comes in after. And that's how we caught her, 0:12:06.120 --> 0:12:12.600 oh God, and confronting her with our own middle school. 0:12:12.800 --> 0:12:14.440 I don't even know if we told the teacher. I 0:12:14.440 --> 0:12:15.880 think we were just like, you know, like we had 0:12:15.920 --> 0:12:21.160 like an intervention, like what's happening. Oh, I wonder if 0:12:21.200 --> 0:12:22.360 she still seeks to this day. 0:12:23.080 --> 0:12:25.599 Well, it's easy to tell. And I mean honestly, like 0:12:25.640 --> 0:12:27.760 when someone steals your credit card, if you still have it, 0:12:27.760 --> 0:12:29.720 you can easily like get the money back the bank. 0:12:29.800 --> 0:12:32.920 You usually are protected, especially if it's credit. But like 0:12:33.120 --> 0:12:35.960 it's scary. It becomes scary when like this happened to me, 0:12:36.080 --> 0:12:38.520 is someone just tacked my social Security number and they 0:12:38.600 --> 0:12:41.480 just opened up a whole other like a Chase credit card. Wow, 0:12:41.559 --> 0:12:43.280 when I was like eighteen or nineteen. But when I 0:12:43.280 --> 0:12:46.320 had just turned eighteen nineteen, and I didn't realize it 0:12:46.320 --> 0:12:47.960 because I didn't own the card, so I didn't like 0:12:48.040 --> 0:12:49.920 think to go check that account. I didn't realize it 0:12:50.000 --> 0:12:52.640 until I moved to New York was renting an apartment. 0:12:52.640 --> 0:12:54.520 Wanted to rent an apartment, and they check your credit 0:12:54.559 --> 0:12:57.079 and they were like, so you have this twelve thousand 0:12:57.200 --> 0:12:58.720 or a living on this card from two thousand and 0:12:58.760 --> 0:13:02.320 five that has been you know, in default or delinquent 0:13:02.400 --> 0:13:06.200 for like seven however many years, seven eight years. Oh, 0:13:06.240 --> 0:13:08.560 and it was in a room. It's like completely was 0:13:08.559 --> 0:13:13.440 destroying my credit. So you do, Oh so I filed 0:13:13.800 --> 0:13:15.920 errors on all my so you have the three credit 0:13:15.960 --> 0:13:18.040 reports I went to all I went to free credit 0:13:18.080 --> 0:13:21.040 report dot com or whatnot. I filed errors and all 0:13:21.080 --> 0:13:23.920 three accounts and I had the fraud take it off, 0:13:24.000 --> 0:13:26.640 like they deleted it when I, you know, complained, but 0:13:27.080 --> 0:13:32.160 I still had to like beg my, uh the landlord 0:13:32.280 --> 0:13:34.800 to give me the apartment because that kind of stuff 0:13:34.840 --> 0:13:37.040 takes a long time. I think. I think the credit 0:13:37.080 --> 0:13:39.400 reporting agencies have like thirty days to get back to 0:13:39.400 --> 0:13:44.200 you if you are yeah, hi, hi, oh thank you sorry, 0:13:44.200 --> 0:13:45.040 I'm working. 0:13:46.040 --> 0:13:54.959 Yes, real life, Mandy, y'all see what's happening. Maybe speaking 0:13:54.960 --> 0:13:57.160 Spanish too. We got to keep this in. I don't 0:13:57.160 --> 0:14:00.040 want her to edit this out. This is amazing. So 0:14:00.520 --> 0:14:03.000 if this happens to you. Guys. Just know that if 0:14:03.040 --> 0:14:07.800 someone tells your credit, if someone takes your identity, This 0:14:07.840 --> 0:14:09.959 is why it's so important. Guys. I'm so mandy. I've 0:14:09.960 --> 0:14:10.400 been doing it. 0:14:10.440 --> 0:14:13.559 I don't I don't want to leave that in. 0:14:13.920 --> 0:14:15.320 Leave it in. It's good, it's real. 0:14:15.400 --> 0:14:18.680 It's pretty so annoyed. I don't want breakfast. I'm not hungry. 0:14:18.679 --> 0:14:20.120 All right, anyway, let me go back. 0:14:20.160 --> 0:14:22.760 What was it saying, I'll go back. Let's keep it. 0:14:22.760 --> 0:14:24.720 It's good. People are gonna love it, I promise you. 0:14:24.800 --> 0:14:26.680 Oh my god, this is what it's like living with 0:14:26.720 --> 0:14:27.320 your in laws. 0:14:27.400 --> 0:14:27.720 People. 0:14:29.720 --> 0:14:32.120 They just burst into your room when you're working. 0:14:32.640 --> 0:14:36.680 Yay, you could be naked, like wait, my booms are out. 0:14:36.840 --> 0:14:39.560 Oh my god. I know she's she's she's a very 0:14:39.600 --> 0:14:41.400 soft knocker. I didn't even hear her knocking while I 0:14:41.440 --> 0:14:42.160 was talking. 0:14:47.000 --> 0:14:50.160 That, you know, because I was just giving an example that, yes, 0:14:50.360 --> 0:14:52.640 that if this happened. This is why it's so important 0:14:52.640 --> 0:14:55.920 to really check your credit report periodically throughout the year. 0:14:56.800 --> 0:15:00.520 Oh so important. Yeah, And I completely was. I had 0:15:00.600 --> 0:15:04.280 never checked it before. So that guy checking my credit 0:15:04.320 --> 0:15:05.800 was the first time my credit had been checked any 0:15:05.840 --> 0:15:08.400 but by anybody, but yeah. I ended up having to 0:15:08.400 --> 0:15:09.960 write him a letter and ask him to give me 0:15:10.000 --> 0:15:13.160 a chance, like please, I promise it's fraud blah blah blah. 0:15:13.200 --> 0:15:16.280 And it worked. But that was my uh my first 0:15:16.320 --> 0:15:17.680 and last time having that happened to me. 0:15:18.320 --> 0:15:20.680 Yeah, I can't even imagine imagine that that person. There 0:15:20.720 --> 0:15:22.880 are people who have had their credits and people bought 0:15:22.920 --> 0:15:23.840 getting mortgages. 0:15:24.600 --> 0:15:26.240 Oh yeah, I bet getting like. 0:15:26.200 --> 0:15:27.800 I remember, like I think I went to one of 0:15:27.800 --> 0:15:30.440 those kiosks at the mall. I was getting my very 0:15:30.480 --> 0:15:33.240 first don't don't play me or don't judge me. I 0:15:33.280 --> 0:15:34.040 was getting a pager. 0:15:35.920 --> 0:15:39.560 Oh well that's useful, more useful than parasiltan cologne. 0:15:39.160 --> 0:15:40.720 I know, but I'm like, how old am I getting 0:15:40.720 --> 0:15:46.040 a damn page? So anyway, he used my account and 0:15:46.040 --> 0:15:48.880 stuff information to get to open like pagers and cell 0:15:48.880 --> 0:15:51.600 phones or whatever up and like his friend's name. And 0:15:51.680 --> 0:15:53.840 meanwhile I was getting the bill at the house, confused, 0:15:53.880 --> 0:15:55.640 like why is this bill coming? My Dad's like what 0:15:55.720 --> 0:15:57.680 is this? I was like, I don't know. When I 0:15:57.720 --> 0:15:59.200 went back to him, he was like, I don't know, 0:16:00.040 --> 0:16:02.840 But it was that that was so easy to be tracked, 0:16:02.840 --> 0:16:04.520 So I like called his boss and he was like, 0:16:04.680 --> 0:16:09.280 uh so the guy who turned out all his friends 0:16:09.400 --> 0:16:11.760 pagers and stuff on in my name, you know, got 0:16:11.840 --> 0:16:14.920 obviously fired because I was able to bring in the 0:16:14.960 --> 0:16:16.720 bills that were still coming to my house. Like if 0:16:16.760 --> 0:16:18.120 he was smart, he would have sent the bills to 0:16:18.160 --> 0:16:20.640 his friend's houses cause they had like his friend's name, 0:16:20.840 --> 0:16:25.560 like hey Jean Paul, but Tiffany's payment information, Like did 0:16:25.560 --> 0:16:27.200 you think I was gonna pay this? Like how did you? 0:16:27.360 --> 0:16:30.720 How was this working in your How were you assuming 0:16:30.720 --> 0:16:32.840 this was gonna work for you? And so he got fired. 0:16:32.880 --> 0:16:35.640 But yeah, it's just really important to check your credit 0:16:35.720 --> 0:16:39.080 reports regularly. Isn't Annual Credit Report dot com? I believe 0:16:39.120 --> 0:16:42.440 that's where you can get it for free. And if 0:16:42.440 --> 0:16:43.680 you could do that, yeah. 0:16:43.560 --> 0:16:45.040 Yeah, what did I say before? I don't even I 0:16:45.080 --> 0:16:49.080 was like distracted by the knocking Annual Credit Report dot 0:16:49.080 --> 0:16:51.560 com where you get them off for for free. But 0:16:51.880 --> 0:16:53.960 and when my stuff was stolen, that was like pre 0:16:54.200 --> 0:16:56.400 before we had sites like credit Carmel where you can 0:16:56.440 --> 0:17:00.120 sign up and they would have pinged me saying, hey, Mandy, 0:17:00.160 --> 0:17:02.240 noticed you have a new hard pull on your account 0:17:02.280 --> 0:17:03.840 and there's a new Chase credit card. And I would 0:17:03.880 --> 0:17:05.840 have been like, I didn't open that card, and I 0:17:05.840 --> 0:17:07.520 could have. I could have got on top of it, 0:17:08.920 --> 0:17:09.600 live and learn. 0:17:11.080 --> 0:17:14.560 I know, any other despicable news or good news. 0:17:14.280 --> 0:17:17.560 Well good news, you know speaking of credit card credit scores, 0:17:17.880 --> 0:17:19.919 and you know how all these credit card companies like 0:17:20.000 --> 0:17:23.320 American Express, Bank of America, Barkway Cards, City Chase, all 0:17:23.400 --> 0:17:25.840 most of them have if you're a customer, you give 0:17:25.840 --> 0:17:29.480 you some sort of free BICO score. But discovered this 0:17:29.800 --> 0:17:32.119 past week or so, they became the first one to 0:17:32.200 --> 0:17:35.399 give everybody and their mama a free credit score. Yes, 0:17:35.440 --> 0:17:37.680 if you go to discover dot com. And of course 0:17:37.720 --> 0:17:39.520 they're doing it with the hope that while you're there 0:17:39.600 --> 0:17:42.240 you might you know, they're probably, yeah, sign up for 0:17:42.280 --> 0:17:44.520 whatever discover it card or whatever kind of credit cards. 0:17:44.520 --> 0:17:46.760 But you don't have you can ignore all that yeah, 0:17:46.880 --> 0:17:48.719 and go on there if you want. And I believe 0:17:48.840 --> 0:17:52.880 it is your experience BICO score. They offer you your 0:17:52.920 --> 0:17:55.679 TransUnion Biker score if you are one of their customers 0:17:55.720 --> 0:17:59.760 for the wide open access BICO score. Its experience. The 0:17:59.800 --> 0:18:02.520 only reason it matters that it's experienced and not TransUnion. 0:18:02.560 --> 0:18:05.600 And so there's a three major credit bureaus and when 0:18:05.600 --> 0:18:07.880 it comes to these like free FIGHTO scores and stuff. 0:18:08.359 --> 0:18:11.560 You aren't getting your free FIGHTO score from all three bureaus. 0:18:11.560 --> 0:18:14.440 You're getting them from one, and they should be about 0:18:14.440 --> 0:18:16.840 the same in all three. But it's really best to 0:18:16.960 --> 0:18:20.160 know your score from each of the three credit reporting bureaus. 0:18:21.200 --> 0:18:22.480 But it's better than nothing. 0:18:22.880 --> 0:18:25.080 It is, I think credit karma. What do they give 0:18:25.119 --> 0:18:27.639