u/Top_Bank8679

So looking at a 2025 used RHO - just curious, have most of the software issues been corrected?

I know quality is hit or miss(just like every truck) - this is a "late" 2025 (build May 2025) and alot of the issues widely reported seem to be software resolved with OTA updates and battery issues. I mean having an issue with a new truck sucks - but id much rather it be resolved via software patch unlike GM and Toyota issues of late.

Really was going to wait, order a 2027 and then take delivery later this year. But a 2025 with every feature I wanted at 17k less is hard to turn down. And if i hate it and say its too big like my wife thinks I will - the depreciation hit is so much less.

Even has the accessories I want installed minus the tonneau cover - which is cheap and easy to add myself.

Ok - so recently in the market for a truck having sold my 2021 Toyota Tundra Pro.

Nice truck - a bit dates and while roomy - not the most comfortable seats. Got the right offer so I jumped on it.

So set out thinking about a Ram or possibly GM half ton - but buying a new Ram means etorque (pass) and GM engines of late are so problematic. Ram lead me towards the RHO - and decided to check out the Raptor since I was looking at the RHO.

Ultimately - decided if i go with either - go used. You know either way its not going to be some truck someone has used to tow - and the percentage of people who maintained these higher trims is generally higher.

Found a few 2025 RHOs in the 65-68k range and even a low mileage demo 2026 for 70. Nice trucks - but 2025s had the software issues and was trying to be as cheap as possible.

Wife likes the looks of the Raptor here at local dealer - but no way im spending 86k for new. So went used shopping and found a 2023 for 60k - decent miles and has what I want.

I dont mind going a few years old for savings - and I think its clear the Ford has more of the issues worked out vs RHO. Ford does look better exterior - Ram wins rhe inside i think though. The HP numbers mean little - i mean fast is fast unless your on the track and either is quick for a half ton.

Anything to be aware of with the Raptor ? Any reason to pass or go to Ram. Either way I'll probably wind up with an extended warranty too - but guessing the Ford will be a tad cheaper there.

Looking for opinions - so basically had a FP card long ago when beginning to rebuild credit. Used responsibly and paid every month.

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Around March/April 2020 - something got off track and they were not paid. This lead to a late fee - called and made a payment and was promised the fee would be removed. It didnt and they reported 60 days late in May. Called again and was promised they would "fix it" - made another payment and told them I was done. This continued with lates in June/July of 90/120 days. Finally in August I just paid them the few hundred in fees and they promised to stop reporting. Of course that only stopped the reporting beyond July 2020.

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Up until now it really wasn't a concern - i still had work to do and a couple of 30 days in 2018 - so it wasn't killing my score by itself.

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Looking the other day and MyFico says in 15 months when the last of those come off my score projects to go from low 700s now to 840. I get its just a projection - but feels like this is really holding me back and potentially costing money on a mortgage refi.

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My question is simply - any potential harm in sending a CEO office request to review and remove reporting early? Goodwill request ? I realize trying to fight them saying it was their fault with the excessive fees and customer service who lies will get me nowhere - but 6 years will they really hold out ? They did get paid (what they were owed but not all of the added fees from the late charges). Just dont want to say something and they update as a recent late or collection account with a fresh date. I hate waiting a year and just letting it die - but with no current plans to borrow - might be smartest thing to do.

So career adjuster - 20+ years and 5 at current carrier. Started with a new manager a year ago and its gotten worse by the day.

New manager feels they are an attorney (they aren't - worked briefly in an attorney office as a secretary) and CONSTANTLY tries to show their "intelligence" when it comes to files in suit.

Latest example - i have a file with defense counsel - to call it baseless is an understatement. Its clear that plaintiff will lose - but of course we need to answer them and go through discovery. They are repped by a family member who is a retired attorney and clearly just fishing for an offer - so I gave it to them 5k on a 25k demand - to be presented via our defense counsel.

This was 2 days ago - left the office for a Dr appointment today to see an email from my manager to me and our defense counsel - my manager just bypassed BOTH of us and offered plaintiff 25k to resolve...yes, not only did they bypass OUR OWN ATTORNEY - but they offered 5k above the demand !?! Without speaking to anyone. The reason - defense counsel had sent a budget yesterday of 20-35k worst case full trial to defend and this was a "cost savings move".

Sadly - just the latest example of absolute moronic decisions. At what point do you just walk away knowing any company who continues to employ people this dumb is doomed to fail ?

I've worked for places that had a high percentage of idiots in charge - and inevitably they paid the price and so did those most loyal to them when cost cutting came into play. Clearly - you do stuff like this its bound to happen where I am now too.

Upper manager is aware - either is so checked out they don't care or this idiot has something on them - because it goes unchecked.

Aside from the level of stupidity involved - I was always told adjusters were independent decision makers - meaning a manager could not just jump in and tell adjusters what to pay/what to decide on claims. Sure - managers will absolutely lean on people to resolve issues and keep people happy..but to overpay a claimant without explanation?? Something smells bad here and I want to be nowhere near this when it inevitably comes back up.

Only thing close I have ever came close to this was years ago working property and whenever a certain contractor came in with wind/hail claims - we were leaned on to pay them without question. Even the rates above Xactimate didnt initially catch our employers eyes when they started getting approved. Eventually cost cutting started and they began doing a review of outliers - i had moved on but still had friends there who told me about it. Turned out what everyone suspected was true - contractor paying off an adjuster who became manager and continued to push their claims through.

How is it compared to other carriers?

Seems to be all experienced people hired from other carriers/TPAs.

Screener interview and Zoom call interview done - now they want me to fly down to meet. Just want to make sure I am not wasting my time with then. Job im at right now is ok - probably a lateral move money wise, but better profit share and retirement.

So far im intrigued - but 20 years in this industry tells me companies WILL lie about things to get you in the door.

Everything I've read is they are light on the pay scale but make up for it with additional retirement contributions.

Ok - so got in interview with a smaller company for a claims adjuster role - and when I read up on this company at the job board sites - the reviews are mostly ALL positive. Like high 4s on a 1-5 scale positive and the only negatives seem to come from their IT department (who were largely outsourced a few years ago).

Claims in particular gets great scores - reasonable work life balance / good team and management. This just makes me feel the whole thing is faked. Sorry after 20 years in this industry and claims - I cannot believe there is a single unicorn company where everyone is happy in claims. Even a vast majority being happy seems off.

I’m probably crazy for even considering the job in this environment. I’m employed, well paid and 100% WFH. Overall - I have a good senior management group at my employer now - my team is neither a positive or a negative (largely no contact at all despite being a small group as we are all remote and spread out) - but my manager is a complete and total moron. Seriously will argue no matter how clearly wrong they are - and recently has taken to not only deciding to handle claims in my name and changing decisions I have made (and telling people that the liability was changed without consulting me) - but is even creating letters with my name and signing as me. I was always taught the manager cannot handle claims as there needs to be a degree of autonomy in the reps handling. I mean clearly when there’s a reason to change a decision - calling the adjuster and discussing/pushing to go a certain way. But just saying - I disagree because I don’t want to possibly have someone calling to complain despite it being 100% word vs word is crossing a line to me.

But back to the point - are there really companies out there where claims reps are happy and well paid - or is this just complete and total BS planted by a company with high turnover to sucker people into their web.