How many of you have ever been hit with a denial to investigate on grounds that your request was considered to be frivolous in nature??? I never have, but lots of folks have been, and that is the very reason that I teach people that they should never say anything to a credit bureau for almost any reason whatsoever. Here is the logic, and it is also an illustration of the way the "creditwrench" works and why it isn't a book you buy or download as so many people think it might be. The Fair Credit Reporting Act makes it a felony offense to make any false statement to a credit bureau in an attempt to improve your credit ratings.Do it and you could go to jail for a nice long time. Now then, I can understand that those iron bars and steel walls can give you a great sense of security, but the fringe benefits just aren't worth a hoot! The FCRA also gives the credit bureaus the right to reject your requests on grounds that they consider it to be frivolous in nature, but it doesn't give them the right to violate your civil rights, now does it? And what does the 5th Amendment to the Constitution of the United States of America have to say? I'll save you the trouble of looking it up. It says that you cannot be forced to make any statement that might be used against you in a court of law. You also cannot be tricked, coerced or intimidated into doing it either. Aren't you intimidated and coerced into making statements that might be used against you in a court of law by virture of the fact that you fear that if you don't tell them something they will deny your lawful request to investigate what you feel is or might be in error?? If I ever get hit with the "request denied because it is frivolous in nature" routine, I'm gonna slap them up side their corporate heads with a violation of civil rights lawsuit so fast they won't be able to see straight. I'm not even gonna warn them, I'm just gonna do it, and I don't even need a lawyer to do it because I already have one of the best lawyers around to argue my case, and that's the U.S. District Attorney in my area. And he had best listen to my cause and file criminal prosecution against them for violation of my civil rights too, because he is a public servant sworn to uphold the law and defend my rights. If I make him aware that a crime has been committed he must, by law, prosecute the offender whether he likes it or not. And once convicted in Federal Court, a civil lawsuit for huge damages is a slam dunk. And those are the kinds of principles that the "credit wrench" is built on and why it isn't a book or an e-book you can download. And I don't repair anybody's credit for them either. I teach them how to do it on a "case-by-case" basis until they learn how to do it for themselves and don't need my help anymore. The FCRA and the FDCPA were crafted for the credit bureaus and their benefit more than they were for the common good of the people. The bureaus wanted protection and guidelines, and they got them pretty muchly written the way they wanted them to be written. True, they had to accept some restrictions in the interests of fairness, but still and all, they got what they asked for. But those are not the only laws they must obey. They can't deny you your Constitutional rights and get away with it unless you let them do it out of fear and ignorance of your rights. Bill Bauer http://creditwrench.hypermart.net/index.html bbauer1@netzero.net
Sounds like an AD Bill, I read qualitycreditrepair.com as well as this board, and Frankly, you are beginning to sound like an advertisement. If all you want is to get people to "learn" your system, please take your business elsewhere. If you want to continue to give good advice, as you usually do, please stay. Thank You, Erica
Re: Sounds like an AD It it sounds like an ad, looks like an ad, smells like an ad... I thought the same thing, Erica....
Re: Sounds like an AD Yes it is an ad; But give the man a break, he's one of the best contributors to credit boards. There's quite a lot to learn from him, and I can live w/ a 10% ad content from a serious poster. We'd have to tell quality posters from non-quality ones, and I'd also like to welcome Credit Ranger (aka Maximus): We're honored to have you here again. Saar
Re: Sounds like an AD I don't know Saar...sounds like we are picking and choosing who can place ads...why can't he just offer the advice without the ad attached? Sorry, just my 2 cents worth
Re: Sounds like an AD No need to be sorry NanaC, your position is understandable. But would you like to see quality posters leave this board just because a small part of their content is promotional? Where will you be looking for quaility credit information & advice then? At web sites that offer ONLY commercial content that you can't really count on. Saar
Re: Sounds like an AD I honestly think everyone should abide by the no spam rule. For instance, the other day I asked a question and CF responded and declined to give out information that might have been considered spam by some. He, however, continued to provide valuable and insightful information. I think if someone "left" simply because they were asked to abide by the guidelines that we all are expected to abide by then I might have to wonder if their purpose was really to add insight or get their ad out. (I am not referring directly to this situation but stating this generally). So, Saar..in answer...I think all posters should avoid spam. Yes.
Re: It is not a felony ... I agree with Lizard King and thanks SAAR, good to be back and part of stimulating conversation. Besides, they put you in a prison CAMP and there are no bars here at Club Fed! There are no criminal sanctions for false statements while disputing your information under the FCRA- although there may be some states that criminalize false statements to a credit bureau but I could find no convictions in several search engines. My best guess would be these prosecutions would be for for gaining access to files or altering files under false pretenses - identity fraud - changing addresses etc for the benefit of the culprit. By and large I find Mr Baur's advice sound but I too differ on this one though as a lover of the constitution I agree with many of his viewpoints. Venceremos, Maximus
Re: It is not a felony ... Re: Sounds like an AD Author: Saar (proxy1.bezeqint.net) Date: 04-14-01 07:56 No need to be sorry NanaC, your position is understandable. But would you like to see quality posters leave this board just because a small part of their content is promotional? Where will you be looking for quaility credit information & advice then? At web sites that offer ONLY commercial content that you can't really count on. Saar `````````````````````````````` Reply To Message=== you're right Saar!
Re: It is not a felony ... Hmm...I'm gonna have trouble figuring out when the rules are the rules but maybe not the rules...but sorta kinda the rules..but well, no...
kinda Hmm...I'm gonna have trouble figuring out when the rules are the rules but maybe not the rules...but sorta kinda the rules..but well, no...
If the rules say no spam.... I read this board for information, not for ads. From what I have seen on this board, it is comprised of individuals who are helping each other repair their damaged credit. People who want to contribute should do so without hawking something. An ad is an ad is an ad.
Lizard boy If you sold a book on credit repair you would find yourself getting sued. It may be okay for you to LIE YOUR AS# OFF, but it's another thing to teach and sell it. Then again you have no problem telling people on this board to lie to get what they want. Donâ??t people like that end up in hell or something? You're ideas work well but you're not the kind of person ANYONE who knows your ways, would want as a friend or anything else. If I had you working for me, I would fire you quicker than you can say your favorite word "sue." How can you outright tell people to lie like a dog and have no problem with it? In so many of your posts you say things like "you can just tell them this." Is this how your mother raised you? When you just tell someone this or that, and it's not the truth, it's called lying. Good advice but I wouldn't want to trust you in person (I'm sure many other people feel the same way but they won't anything because you're helping them fix their credit). The as# people will kiss, and the lies they'll tell. What happened to the word INTEGRATY? Oh and don't give that junk about the big bad CRA's did this and the banks do that. Fire for fire doesnâ??t cool the house down.
Re: Lizard boy I suppose that predatory lending and profiting greatly from those with a bad credit mark is OK? And purposely harming somebodies credit? Is that not evil? Somebody should not not have to pay for a mistake for 7 years, while subprime lenders make big money. The system is set up, that if you do pay, even in full on a once late account, your credit score will still suffer up to 7 years afterward. This is just another example of the middle class getting the shaft and someone who has never had a problem in life who does not understand.
Re: Lizard boy These posts are humorous to me.. I personally don't want to see ads at all either. Already there are more posts to filter through when I come to this board because of the recent influx of new people.. that is fine, but having to dig through ads would make it even more annoying.. We are here to repair credit - any means of doing this I am willing to take.. all within the "legal world" which we live in..
Criminal Sanctions under Law Under the Federal Sentencing Guidelines for a first time offender (1) (a)........the bailiff shall under a finding of guilty of the offense of lying to a credit bureau immediately give the defendant a wedgey...... Hope this clears up all the confusion from the above posts. regards, Maximus
