Quote:
Originally posted by G. Fisher
Mine, too. He has a rare set of characteristics: Subversive, yet articulate. Conversations with about anyone else end in flames.
I'm trying to understand the mindset of the majority of the members: Doing things like disputing accounts they know full well are theirs just because they don't like the credit file they created for themselves.
You said, "This board is no-hold-barred-use-their-own-weapons-against-them (the courts and the law)."
Certainly there's a limit to that premise. But, why would someone go to such an extreme-- desperation? Are they so jaded that they think the credit reporting system is so screwed-up that real accuracy is impossible, so they just throw in the towel and join the dark side?
The manifestation bores me. I wonder about the spark; the original motivation.
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Greg,
Regardless of the laws that say if the CRA/creditor doesn't respond within 30 days, the CRA MUST delete.
Let me ask you a question.
Have you ever disputed a negative tradeline because the balance, date opened, etc. was incorrect?
Did the CRA ever delete the negative acct. because they were unable to verify?
If so, did you fight as hard for the ACCURATE yet negative account to be re-entered on to your credit report?
If not, you are as big a hypocrite as anyone else, maybe more so.
And on a somewhat related side note. The laws of the great country you live in, were set up in such a way for those in power, THAT FOLLOWING THE LETTER OF THE LAW WAS/IS MORE IMPORTANT THAN THE GUILT OR INNOCENCE OF THE INDIVIDUAL, NO MATTER WHAT THE CRIME.
Do you think that the lawmakers did not foresee consumers fighting to get 'legitimate' debts removed from their credit reports? Of course they did. But like most of our laws, it is the RESPONSIBILITY of those that hold the REAL power to follow the letter of the law at a much higher standard than the average consumer. WHY? Because since the beginning of time, those with more power inevitably abuse those powers in favor of themselves.
THAT IS WHY AMERICA IS SO MUCH DIFFERENT THAN EVERY OTHER COUNTRY ON THE EARTH (although this is quickly changing).
Your aristocratic attitude about what is fair and right,(only according to you of course), does not fit this country, this time, or age.
Do you know the definiton of insanity--Doing the same thing over and over, expecting a different result. Your arguments are lost on anyone on this board, so why do you continue to beat your head against the rock of our 'immorality.' You are acting irrationally and insane.
Just think if you used all your intelligence and time helping and caring about people instead of focusing on "accurate" reports.
When you die, do you want people to say, "Greg, boy, he sure worked hard at getting credit reports accurate, but he was sort of an ass while doing it." or "Greg, he will be missed. The love and caring he showed to others inspired me to spread that same kindness to everyone i met. He was somebody i will never forget."
humblemarc