Here's what happened and you figure out how to make the $2000 (I already know). I saw on some boards a blurb about a company called Clearcredit (www.clearcredit.com) based in California and went to their web site. I saw it as a way of getting a free tri-merge credit report and FICO evaluation, so I signed up. They charge $7.95 per dispute to dispute things in your credit file, so I didn't indicate to dispute any. I got my tri-merge credit report then e-mailed a cancellation of my membership. That was Friday May 30. On Saturday May 31 I saw a new inquiry on my CRA reports from a mortgage company called Iqualifynow.com based in NY. On Sunday June 1 I got an email from Iqualifynow saying I qualified for a 300,000 mortgage through them and that they got my name and information from Clearcredit. I have already sent an ITS letter to Iqualifynow for pulling an unauthorized CRA report on me. Tonight I send another ITS letter to Clearcredit for givingmy confidential information to Iqualifnow.com without my permission. Even the fine print in Clearcredit's Terms if Service mentions nothing about that. Anyone else want two grand????
Re: Re: Anyone want to make a quick $2000?? They pulled a Hard from Equifiction and Trans Union and I don't care WHAT Clearcredit gave them - Clearcredit had no right to give them anything without my consent.
Re: Re: Anyone want to make a quick $2000?? To make it even more fun, check out their published Privacy Policy: ClearCredit Privacy Pledge The privacy and security of your personal information is the foremost consideration of the ClearCredit service. ClearCredit will never sell any of your personal information -- contact, financial, bill history -- to any other company, period. Unlike many billers who routinely sell their customers to direct marketing organizations, ClearCredit keeps all subscriber lists confidential. ClearCredit is completely committed to safeguarding your personal information and protecting your privacy. Now reconcile that with this e-mail from Iqualifynow.com: NOTICE OF PRE QUALIFICATION DATE: 6/2/2003 BORROWER: Steven XXXX PROPERTY ADDRESS: To Be Determined Congratulations! As part of your ClearCredit membership, we have analyzed the credit report ordered by ClearCredit, and wanted to provide this mortgage pre-qualification analysis to you, free of charge, with absolutely no obligation whatsoever. You might use this as a guide to see how your borrowing power might improve as a result of ClearCredit's services over time. Do I hear a lawsuit or two coming?
Re: Re: Anyone want to make a quick $2000?? There's a difference between winning a lawsuit and getting paid.... Good luck collecting from someplace called Iqualifynow... Who are they? Do they have any assets? Is it just a guy working out of an apartment??? Don't waste your filing fee until you know.
Re: Re: Re: Anyone want to make a quick $2000?? For $19.00 I'll take my chances. I'm an ex-bill collector so I know all the techniques to ring money out of deadbeats. I'm talking abouut the CA's and Creditors, not US.
Re: Re: Re: Re: Anyone want to make a quick $2000?? Doesn't the FCRA indicate that the CRA's must investigate information for FREE?
Re: Re: Re: Re: Re: Anyone want to make a quick $2000?? The $19.00 is the filing fee to start a lawsuit in Pima County AZ.
Re: Re: Re: Re: Re: Re: Anyone want to make a quick $2000?? Sorry, I didn't make myself clear. I was talking about the $7.95 per item charge to dispute (investigate) information contained within your credit file. Isn't THAT against what the FCRA says? Aren't they supposed to investigate consumer initiated disputes/investigations free of charge?
Re: Re: Re: Re: Re: Re: Re: Anyone want to make a quick $2000?? Sorry, I didn't make myself clear. sirrowan ======================= You're still not clear. The 7.95 is clear credits fee not something the CRA is is charging!
Re: Re: Re: Re: Re: Re: Re: Anyone want to make a quick $2000?? whoaaaaaaaaa, This is from their website: Standard Plan Get the comfort of knowing that you only pay when ClearCredit provides a service for you â?? then just $7.95 per item disputed on your credit reports. I think that makes them a CRO. And, if they are providing a report, I understood that to make them a reseller and subject to the dispute provisions. You're right about the privacy policy, flyingf, but not about the inquiry or selling, unless you have opted out. However, they are only supposed to receive minimal information, not a full report. Sassy
Re: Re: Re: Re: Re: Re: Re: Anyone want to make a quick $2000?? This too: "Two ways to enroll! The Standard Plan You pay nothing up front and no monthly membership fees. ClearCredit will charge you $7.95 for each item disputed on your credit report. Thatâ??s all! And for a limited time, receive a 1-year, identity theft insurance benefit of up to $2,500 issued by an AIG member company. The GOLD Plan - $49.95 Valued at over $150, get all the benefits of the Standard Plan PLUS: A 1-year, identity theft insurance benefit of up to $25,000 issued by an AIG member company. A 1-year subscription to â??In The Knowâ? ClearCreditâ??s monthly newsletter. Two FREE disputes per 60-day cycle. " These guys are hokey indeed. Sassy
