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At
BayHouse you'll find real estate, mortgage, credit
and credit scoring tips as well as inside information not usually available to the
public.
September 24, 2004:
Despite my 3/03 lawsuit, the FTC and the Federal Reserve Board of Richmond still refuse
to enforce the FCRA, the CRAs are NOT reporting the Capital
One credit limits ...
2004
Credit Suit
- the BLOG: the chronological postings of
events and related news.
The Fight Back!!! Forum
- documented CRA, creditor and collection violations and regulatory and legislative efforts.
8/16/04 - My comments to the FTC re. credit scoring study.
9/17/04 - My comments to the Federal Reserve Board re. credit reporting and disputes.
9/10/04 press release:
Consumer Sues Ameriquest Mortgage Company for Spamming, False Promises,
Misrepresentation and Incompetence
At CreditCourt.com
you'll find most of
my filings as well as other published credit related law suits
and pro se legal resources, the proof the
credit counseling is a SCAM and they really are debt collectors
in disguise, scans and audio of common credit reporting and
collecting violations.
My
3/19/03 Phoenix Federal Court Complaint and Filings.
My 6/9/04 Phoenix Federal Court Complaint and Filings.
FCRA and FDCPA
attorney and Pro Se info
CreditForum.ORG
Credit and credit scoring questions, postings about
law suits against the CRAs
and tons of info on collections, charge-offs and disputes
CreditFactors
The best of CreditForum.org + much more.
What and how to dispute, analyzing credit reports and FICO scores.
Case studies:
After the deletion of the only derog, a charge-off, the score went down 18
points to 646.
2/8/04: TU FICO 24 months after Ch. 7 filing --
726!!!!!
Overview of BayHouse.com
 If you are a First-time Home Buyer, start with the
CREDIT section.
It often takes weeks and months, sometimes even YEARS to correct
errors and/or negotiate unpaid collections.
Even if you don't know of a single problem on your credit report,
make sure you get your credit
reports from all three credit bureaus before
you get serious about buying.
FICO
Credit
Scoring for mortgages and auto insurance
Minimum Scores are required for MOST second mortgages,
especially for the popular 100% to 125% LTV cash-out and debt consolidation
loans.
Many auto insurers now rate you by your FICO Score.
Your Score CANNOT be corrected even if the data on your credit
report is totally wrong AND you have creditor letters to prove it!
My tips on Increasing your Scores.
Having a bad FICO day? See
how the FICO Scoring is flawed:
FICO Credit Scores VARY from
day to day, up to 24 points.
You know you have credit
problems? Bankruptcy? Collections?
Don't miss a real disputed scanned
bankruptcy
credit report.
Looking for a Mortgage?
Learn about Loan Shopping.
How to choose the RIGHT loan and get the lowest rate.
From Quotes to Locks to No Cost Loans to Bi-Weeklies ...
Where will rates go? Should you refinance?
Real
Estate Definitions
Real estate laws and customs vary
by State and Region.
This page is based on MY experiences in the San Francisco Bay
Area.
My assessment of professional organizations and federal agencies,
from SAMCAR to HUD.
You think you can rely
on professional competence and on government regulations protecting
you?
In 10 years of Real Estate and Mortgage practice, and especially
since I started to file complaints against US corporations, I learned
that
US legislators create tough laws to lull consumers
into feeling secure and protected.
The Federal and State Governments often refuse to enforce consumer
protection legislation.
When a consumer files a complaint, the very MOST that will happen
is that the dispute will be resolved and the corporation has to
return the money.
The Transamerica
documentary is a very typical example of Corporate America preying
on those who are ignorant and unwilling or unable to learn and fight.
The California Department of Corporations approved the Transamerica attempt
to cheat a widow in foreclosure and bankruptcy out of over $15,000.
I can't even get a complaint
to HUD:
Three certified mailings to HUD with the entire Transamerica
file were LOST by the US Postal Service and are untraceable.
The Washington DC Postmaster didn't respond to two written inquiries.
Is this odd or what?
You think I'm weird?
Yup, I agree.
With all the traveling I've done, I have yet to find a place
with people like me.
I've always felt different, just didn't fit in. I can't stand
it when people lie to me or deceive me.
And I just can't assimilate.
But my biggest problems are that I can't stop thinking
and almost everything interests me.
I want to go home!
 Zappa Quote of the Millennium
"It would be easier to pay off
the national debt overnight
than to neutralize the long-range effects of
OUR NATIONAL STUPIDITY."
Zappa Quote of the Day
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