     TIM (Tim) | Friday, June 09, 2000 - 11:13 am 
To date I have had 8 accounts removed from my credit report and 5 from my wife's including a BK
on my wife's. I'm now working on family memebers.
Five years ago when I started I found as much info on the CRA and FCRA as I could and read everything I got my hands on pretaining to this subject. It's not hard, it's just takes time.
The most important thing to remember is you are in control. Always take control of the fight.
And never never take the word of a CRA, collector, creditor. GET IT IN WRITING, before you send a single cent. Start off nice and try and negotiate, If that does'nt work get mean and threating. Flie complaint with FTC. Threaten to sue. Most of the time the nice works the first time. Good Luck! Remember all you need is time! |
| Senator (Senator) | Friday, June 09, 2000 - 11:22 am
Tell us more--like tactics, letters,etc. How long did it take? What did you question in the letters.Help us help ourselves. Long live the revolution (sorry, got carried away) |
| TIM (Tim) | Friday, June 09, 2000 - 02:30 pm
There are several ways. My favorite is fax, letters also work well. I found over trial and error that the CRA dispute forms are the quickest.
You should attach a letter with it explaining your dispute. I have went through the CRA, collector and creditor to remove accounts. I have had some accounts taken off in a day and some as long as 60 days. You can dispute anything
from "not mine" to "paid in full" "Never paid late" "Included in BK" In one of my family members
credit report I disputed a late payment over 60 days. I called the creditor and told him to fax me the proof and date of late payment. He did, I
then faxed back a bank statement showing him he was wrong that the payment was not late. The bank
statment I sent was from the following month just
with a little magic to show the previous month.
He removed the late payment from the credit report
There are several ways to do things. I'll be checking in and will help as many people as I can. |
| Scott (Scott) | Friday, June 09, 2000 - 03:37 pm
Surely you don't advocate fraud? Don't get me wrong: I'm all for screwing big business, I just don't want to do anything that could get ME busted! |
| Michael Bardelli (Bull22) | Saturday, June 10, 2000 - 04:46 am
Tim,
I must admit I agree with Scott. What you have done is illegal and a SERIOUS criminal offense that could land you in prison or cause you to have to pay a large fine or both. There are also civil implications as well. Most of the time, the people on this board can show how fraud was used to put them into the unfortunate positions that they are in now. Therefore, if you hate something, then don't you do it too. I also agree with scott. I really don't mind screwing big business because they screw us little people left, right, and center, however, it is best to do so within the confines of the law. |
| TIM (Tim) | Saturday, June 10, 2000 - 10:59 am
NO I don't adovate FRAUD! I was asked what I did. Never told anyone to do it.
If you think for one minute the CRA'S, Collector,
Creditors give a damn about the FCRA Laws, that explains some of the advice I've seen some of you give. When you dispute something you know isn't suppose to be on your credit report and the creditor, colletor, CRA'S won't remove it, What would you experts call that? FRAUD? I'm not a expert by far but I've been doing this long enough to know that alot of you giving advice don't know what your talking about! What I would sugggest is those of you who give advice to sit down and read the FCRA Laws.
Not once but several times, until you understand them. Because alot of advice I've seen given here was so wroung,I would bet it came from A CRA personnel. The FCRA Laws are just like every other law, big business finds loop holes through. My thing, I sat and read and read these laws till I found and understand the workings of the loop holes. Just like the Tax laws, I know everybody follows the law to the tee RIGHT! I've been doing this for five years for friends and family, I help them get things they normaly could not have gotten. Not because I broke the law, because I use the law to my advantage like big business does everyday. I have several contacts at the CRA's. Here is a statement I've been told more than once, "We don't care what they dispute, as long as our customers make money we make money"
See if alot of you who give advice knew the working of the CRA's maybe it would shed a different light. See every time a customer of the CRA's adds, deletes, checks, updates the CRA's make MONEY!! That's just the tip of the ice berg how they make money. If I'm not mistaken that's what makes this big old world go round, MONEY! I won't reply or add any other messages here. I'll just watch and read about all the bad info you experts give people looking for help.
Good Luck to all!! |
| Christine Baker (Admin) | Saturday, June 10, 2000 - 11:40 am
It is true that there are all these AWFUL HORRIBLE things they'll do to CONSUMERS who commit fraud (lie, misrepresent.)
Yet, I wonder why it is that none of the corporate officers who literally specialize in stealing poor people's homes ever get as much as a fine. (See http://www.bayhouse.com/transamerica.html )
Why is it that only consumers can get in serious trouble for lying just once or twice, while corporations break the law literally thousands of times and the very worst that EVER happens is that they aren't allowed to do business anymore?
I know of only ONE such case, ITT Financial was banned from doing business in California for a few years.
Usually, after it is proven that corporations broke the law thousands of times, they *might* be fined with .01% of their profits. NOBODY does jail time.
Why is it, that you can dispute INCORRECT credit data and it is VERIFIED and STAYS on your report?
Isn't either the verifying CRA or the creditor committing FRAUD????
WHY the double standards?
I'm not saying that people should take illegal actions, I am saying that these actions either should NOT be illegal for consumers or they should be illegal for corporations just the same.
What happened to EQUAL RIGHTS? |
| Scott (Scott) | Monday, June 12, 2000 - 05:00 am
I think the whole point I'm trying to make here Tim, is that advocating illegal activity is a bad idea. We have the rule of law here, it's best to use it. Yes, Big Business does seem to live in it's own world, but forgery just isn't an option to most of us. Better to hire a lawyer and handle it in the courts if direct negotiation fails. |
