My mom is calling in on 2 of her ten year revolving accounts today to piggyback me on to them. Whats gonna happen? When does the new fico crap come into affect? Does it apply to family?
Piggybacking won't be ruled out in the new FICO score, but it will apparently make it a longer and harder process to build good credit. No one really knows quite yet how it will work, but the new FICO scores should be in effect by late spring 2009.
They've been saying changes have been coming for two years. They capitulated on disregarding AU's alltogether and my inclination is that they won't actually do anything at all. For more, visit Credit Repair - Apex Credit Services, LLC and click on "FICO 08." You will see we predicted all of this was a front to scare people.
Please - there is no need to get testy/hostile with Apex. He/the service is there to help folks. And no - I don't have anything to do with him/the service.
So after all those years at CB, did you join CN to help, or simply to blast Apex? Never mind, I know the answer.
They've never read the statutes correctly. In fact, they typically don't read them at all and tell people to DV debt purchasers on live debts when the 30 day window has expired b/c the FDCPA "doesn't" say you can't. Sounds like poking a stick at a grizzly to me but, I'm just a spammer. Oh, and if you disagree with them, the admins threaten you and ban you. Fun place.
There is no need for personal attacks on this board, and anyone who continues to do so will be banned from the forum. We have a lot of great people who are here everyday to try and help others solve their credit problems and get their personal finances on the right track. Let's keep it that way. Thanks to all of you who continue to frequent this forum and provide your insights and advice!
