Jen, its in the FAQ as well.. sometimes a thread will slip through the cracks.. some of mine have.. just hang in there,... I think most people are more then willing to help (especia.ly those that have answers)
tmitchel, Please understand that there are other sites that do have information regarding credit repair. I realize that after finding this site it is probably the best one (that I have found). I do know very little about credit repair, but when someone does ask a question and I have a similar experience with, whether I am a newbie or not, I reply. That is just one small piece of the learning game. We all learn from one another's experiences. You make it sound as if newbies must be subjected to a waiting period before they are allowed to participate in this site. We all make mistakes whether we are a credit expert or not. There's always a situation that you go into confidently and come out with your tail between your legs. Please don't discourage newbies from participating in this forum because that's just not fair! Enough ranting. Sirrowan
I think the whole point of tmitchell's post is getting lost. tmitchell didn't say "don't ask questions" and he surely isn't discouraging anyone from participating. I believe this post simply points to this: Know what you are getting into BEFORE starting this process. If that means you have to ask questions or read the board, so be it. But don't come here after one week of doing nothing and start jumping in, sending off letters, etc. The influx of newbies has increased and I, personally, get frustrated at having the first post be "Where do I get my credit reports" or "What is validation?". A little lurking and searching (hey, that rhymes!) goes a long way. This is a public forum and everyone is welcome to come and post. A lot of older members choose not to answer repetitive questions...that's their choice. There are many others here who will point repetitive questions to the FAQ area.
Thanks SweetnSas..... You are absolutely correct. I would never discourage anyone from particpating or asking questions. You hit the nail on the head. My point is simply to not pick a fight until you know what your weapons are and how to use them.
Well said. I consider myself a Newbie even though I have been lurking since February. I keep a journal ( yes) of good and bad information and things that have happened to others on this board so I can reference it at a later date. This board is like a "quarter- time job". My head was spinning for the first 6 weeks. I did not register until May or June. I have done several things including Doc's Trick with success. It is truely a long process. I am doing it on my own and learnig both to repair my credit and play the damn credit game to maximize my scores. No need to pay someone who wil screw it up. But if we are not careful we can make a mess and not know how to get out of the mess. Everyone has so much to offer.
I understand what you are saying, but sometimes when I see newbies on the board (I have only been here a short time, but I belong to several other credit boards, so I had a pretty decent idea of what goes on), but their posts go for a while with only one or two replies. I think everybody is pretty anxious when it comes to getting their credit cleaned up, but some people may be pressed for time which is why they jump right in without studying as much as should probably be done. That is just my opinion, and we have all made mistakes. I am not trying to jump on anyone, but try and remember a time when you were new and anxious. What you said were very valid points, I just think maybe the tone of it could have been more possitive. I could be wrong, but that was my impression, though you did preface it before you started speaking.
Actually. I probably was a bit harsh. But it served its purpose by generating conversation and shedding light on the problem.
I don't think you were harsh at all and I absolutely agree. I cringe when I look back at my first letters...lol. Gee, no wonder they didn't do anything...they must have laughed their behinds off when I was quoting FDCPA to the credit bureau...lmao!!! Some threat there, huh? <chuckle> I was lucky, but it could have gone the other way. Now that I'm in negotiations with Experian, I cringe to think of their lawyer reading my first dispute letters. Ah well...live and learn. You told 'em straight, tmitchell and it was very obviously said out of concern and was for their benefit. As such, I'm a bit suprised to see some of the defensive responses. L <---who will always be learning.
Re: I'm sorry, this has to be said. Q: What's worse than a newcomer who fires off letters the first day before doing any research? A: An employee of a collection agency who pretends to be a newcomer who "failed" at attempting credit repair and now warns everyone against trying the same. Doc
Re: I'm sorry, this has to be said. Doc, you said what I was beginning to think could be the case. However, I've been know to WAY-OVERanalyze things in the past so maybe that's all it is.
Re: I'm sorry, this has to be said. I had my doubts on how real our poster was. I admire your honesty, Doc. Dani
Re: I'm sorry, this has to be said. NOW I HAVE SEEN IT ALL. IF A FELLOW MEMBER LOSES A BATTLE WITH A COLLECTION AGENCY, SHE IS AUTOMATICALLY BRANDED A IMPOSTER. THEN MORE THAT HALF OF US HERE ARE IMPOSTERS. THIS IS THE EXCUSE WE USE FOR FAILURE. IMPOSTER WE ARE.
Re: I'm sorry, this has to be said. I just hope those thoughts are founded and we aren't doubting someone who is legitimate.
Re: I'm sorry, this has to be said. JustMe.....You could not have possibly followed this whole story from the beginning - there's no way!
Sirrowan I don't think anyone wants newbies to not participate in this forum. ALL are welcome here, even those that are here for less than positive or honest reasons. I think what tmitchell was trying to say was to prepare yourself before beginning. If you are a surgeon, would you operate without first determining what was wrong and what was the best course of action? If you are an attorney, would you go to court without studying case history? The same thing applies to credit repair. Study your subject and become as proficient as you possibly can before attacking. And yes, posting and asking questions here is part of the process. To all newbies...WELCOME TO THE PARTY fla-tan
Re: I'm sorry, this has to be said. TMITCHEL HOW CAN YOU SAY THAT. I READ THRU THE POSTS TOP TO BOTTOM. I CALL IT LIKE I SEE IT. SHE IS BEING BRANDED A IMPOSTER FOR LOSING A BATTLE WITH A COLLECTION AGENCY. NO ONE HAS THE RIGHT TO SAY THAT. IF NEWBIES LOOK AT THAT POST AND SEE THOSE COMMENTS, THEY WILL THINK LOSING A BATTLE WITH A COLLECTION AGENCY IS NOT THE NORM. YOU ARE MISTAKEN. IN FACT THAT IS THE NORM. IF IT WAS NOT WE WOULD NOT ALL BE HERE NOW.
Re: I'm sorry, this has to be said. Well, according to you, we are all here because we are poor money managers. Where do you come from telling me what I can and can't say - you are the one that made the assumption that I was here because I couldn't manage my money.....
Re: I'm sorry, this has to be said. Well, JustMe, we're both entitled to our opinions. I really admire you for sticking with your convictions on this one. I hope you'll return that admiration as I go forward with my opinions too. My opinion is this: Pulse isn't who she (or he) purports to be. Not only are there inconsistencies in her (or his) story, but the timeline doesn't add up either. Moreover, her (or his, lol) choice of words at several specific points were... ahem... clinically incongruent with her (his) claimed identity. I enjoyed the brief content analysis I did. But wait... I also received quite a few emails from others here who would rather not come forward at this time regarding the possibility that "the board is being watched" again, lol. I'll preserve their anonymity, but their words are worth reading (scrubbed of any identifying information). Here's just three of the more interesting emails I received today: Person #1 wrote: I was doing a little bit of research on our friend "pulse", mainly because I have my doubts and suspicions about her. Her first post was on 7/16/02, and on 7/18/02 she asked what CRRR was. So I'm thinking she either sent out the validation on the 18th which is a Thursday, or the 19th (Friday). Now her account is within the SOL, but a few years old. So I highly doubt the CA validated AND mailed to her the results right away. By my calculations, if they lived in the same city and for the benefit of doubt, she mailed it out on 7/18, the CA would have received it 7/20 (which is a Sat.) Do you think a CA -- ESPECIALLY Arrow Financial -- could have a turnaround time of less than one week, even if say she faxed it? Also, has anyone else EVER been told what the CA paid for the debt, in WRITTEN proof??? I'm very skeptical of this pulse person, not because she is new, but because it doesn't add up. What do you think? Person #2 wrote: I'm a newbie, and I don't know if it's kosher to email Creditnetter's privately or not, but I hesitated to post this question on Creditnet. Could "Pulse" be a shill or plant for Arrow, or even a couple of collection agencies? You are a lot smarter than I am, so if this were a possibility, I'm sure you already thought of it. I was just reading the thread about he/she being served for the lawsuit, then after Pulse apparently turned on you, it got me curious, and I read another pulse thread. It seemed to me that Pulse has access to some amazing "inside" info (i.e., collection agency convention in Las Vegas, etc.), and the flow of info about pulse's tale was just a little too fast. One day a phone call, next day a lawsuit. If it is Arrow, they have probably done a good job of scaring anyone away from trying to validate. And if it is Arrow, then Pulse's whole tale of woe was a bunch of doodoo, and they probably can't validate a parking ticket (!) let alone a debt. If this idea did cross your mind, should someone post it so others aren't deterred from attempting validation? And if Pulse is a shill, there is probably another one in her posts feeding questions to pulse so they can get their points across. Person #3 wrote: If I wanted to scare everyone away from Creditnet...the way I would do it is by "planting" a few newbies who would post just enough times to look like they're for real, then start posting about how "You'd better not do what I did. You better just pay your debts and wait seven years." Sound familiar? Maybe a little too paranoid; who knows? But the more I read the handful of threads I'm talking about, the more I am struck by how the one individual in particular is really holding on to her conviction that there is no hope and no way to proceed except to capitulate, despite the best efforts and good information of a number of well meaning posters. I would probably plant some more newbies in a week or two and regularly thereafter to spread the same message of gloom and doom. I hope I'm wrong, but nothing surprises me any more. I hope I've done a good job preserving the confidentiality of these individuals. Their comments are quite insightful. I especially enjoyed the content analyses -- you guys would make excellent forensic psychoanalysts. Doc
Re: I'm sorry, this has to be said. WELL IF PULSE IS A PLANT SHE IS A GOOD ONE. SHE HAS ME FOOLED. BUT IF SHE IS NOT THEN SHAME ON YOU. NEXT THING YOU KNOW I WILL CALLED A PLANT. I JUST WAS SAYING IF SHE LOSES HER FIGHT WITH THE COLLECTION AGENCY SHE SHOULD NOT BE BRANDED A IMPOSTER OR PLANT. WE COULD ALL LEARN FROM HER. THAT IS ALL. EVERYONE ALWAYS ASSUMES THE WORST. YOU THINK YOU KNOW BUT YOU DONT.
Re: I'm sorry, this has to be said. I thought the same thing, but I wasn't going to post it. I did not want to be beaten up. As I told you before, PsychDoc. I don't have the stomach for debate. But same exact thought was going through my mind. Why is she giving up and saying they are going to get a judgment and there's nothing she can do? The dates and the story did not add up. I know I'll probably get flamed for this but since my "credit mentor" LOL and others feel the same way, I felt inclined to post my opinion. Has anyone ran her "ip" address?
