All you complainers about being moral when contacting the CRA's need to quit being so high and mighty. (If you paid 30 days late and want to dispute as never late, remember that the below mentioned illegalities are stuff youv'e done, so don't sweat it...) If you have done any of the things on the list below, then you need to shut yer friggin pie holes about breaking laws. 1. Downloaded copyrighted music from the web. 2. Installed bootlegged software. 3. Jaywalked against the signal. 4. Driven without a seatbelt. 5. Driven while under the influence. 6. Snuck into a movie. 7. Thrown a cigarette butt on the ground. 8. Stopped their vehicle with the front tires inside the crosswalk. (Yes, this is illegal in some states) 9. "Rolled Through" a stop sign. 10. Shown a reproduction of a sporting event without the express written consent of the broadcast network or affiliated sports league. 11. Saved a picture from the web without permission of the website. 12. Ran through a toll booth without paying. 13. Driven in an H.O.V. lane. 14. Crossed the solid white line on an onramp/off ramp. Nestea -- holy cow! I was j/k!!! Really!!!!!
Re: Is Lying to a CRA Illegal? So i I am sorry, but just because you've done other wrong things in the past is not a very good justification for continuing to do wrong. That isn't a very pursuasive point. I think there are better justifications for lying to a CRA than simply saying, "You've done wrong before, so what's the big deal?" Furthermore, I think there are often ways to word your disputes in such a way as to not be totally lying.
Re: Is Lying to a CRA Illegal? So i "not totally" lying *lol*. Cmon either you lie or you don't. That's like saying you "not totally" committed attempted murder. Either you did or you didn't. Anyway, the CRA's lie to us all the time. What's good for the goose.... Sometimes you have to lie to protect your legal rights because you have a moron on the other end of the phone.
Re: Is Lying to a CRA Illegal? So i OK, OK, I get your drift... not "totally" lying.. Here is some more laws for you to keep (NY State) * A fine of $25 can be levied for flirting. This old law specifically prohibits men from turning around on any city street and looking "at a woman in that way." A second conviction for a crime of this magnitude calls for the violating male to be forced to wear a "pair of horse-blinders" wherever and whenever he goes outside for a stroll. * It is against the law to throw a ball at someone's head for fun. * A license must be purchased before hanging clothes on a clothesline. * The penalty for jumping off a building is death. * New Yorkers cannot dissolve a marriage for irreconcilable differences, unless they both agree to it. That rarely happens, since one party regularly says "no" to the other, or there wouldn't be a reason to dissolve the marriage. If one of the spouses says "no" to the divorce, the other party has to prove that the spouse saying "no" was at fault. Fault could be one of four terrible things. If the spouse has abandoned the other spouse, that is, left the house for a year or if there hasn't been sexual relations for a year (how do you prove that?). Another one of the four terrible things, an oft cited fault, is to assert that the spouse has treated the other spouse with physical or mental cruelty. This is usually the case in most deteriorating marriages, but for the court's purposes, yelling and screaming is not usually enough; pictures of bruises taken in the emergency room might suffice. Divorce will be easy if the spouse has been imprisoned for two or three years. Much more difficult is the last fault, adultery. This keeps a lot of private detectives in business, since lipstick on the collar is not proof. It also means that lawyers get paid to "prove" fault, or on the other side, to show how lame the opposing side's "fault" claim is. * A person may not walk around on Sundays with an ice cream cone in his/her pocket. * While riding in an elevator, one must talk to no one, and fold his hands while looking toward the door. * Slippers are not to be worn after 10:00 P.M. (from www.dumblaws.com)
Re: Is Lying to a CRA Illegal? So i What I meant was you can say things like, "I don't recall an instance when I was late on this account. Would you please verify this for me?" That may well be true. Sort of. That is, you may very well not remember exactly when you were late even though you have a good idea that you probably were at some point or another. Agreed. And that was my point when I said that there were other, better ways to justify lying. I think there are probably a lot of reasons we can justify what we do in credit repair. But to say, "you've done wrong things before so why not so some more wrong things?" is just a flawed argument.
Re: Is Lying to a CRA Illegal? So i I'm not *lying* to the CRA's. I'm merely speaking to them in their native tongue. Radi8
Re: Is Lying to a CRA Illegal? So i still, these threads are what make it worth staying up until 5 AM...
Re: Is Lying to a CRA Illegal? So i This is what I like about this board. No speeches about how I should pay back my debts because they are mine and gee too bad for the bad times but you made your bed now lie in it stuff. I think most on this board are here to clean up their reports because of some misfortune in their lives, be it loss of job, divorce or misfortune beyond their control at one time. I know that in my case I did contact the creditors and asked for some help, be it lowered monthly payments, stop interest and late and overlimit fees, etc. All but one refused. I took the honest approach and it got me nowhere. But I did have to deal with calls to my job and home, the yelling and cursing from the CA's. Then they want to sue you for a debt, to which now interst and fees exceed the orginal chargeoff. The CA's lie, cuss, place incorrect information on my credit report and I am to live with it for the next 7 years...I think not. The CA's call your home and leave messages, but then never send anything in the mail and claim they did. The CA's attorneys get in court and lie and I am supposed to feel bad about saying "not mine" when disputing. They want to play a game, so can I. I just have a problem with a debt of under 1K being charged off and 5.5 years later having to pay $2500.00 to some slime ball and the OC gets little to none of the repayment. Just my thoughts!
Re: Is Lying to a CRA Illegal? So i In general, it is better to dispute specifics in an account, rather than a blanket "not mine". If you say "not mine" you MAY be fibbing, but more importantly all they do is to check to see if the name on the data they have is similar to yours. If, however, you dispute the dates, the name of the original creditor, the account number and/or the chargeoff dates by stating, "I have no record of having any account in my name with this creditor/opened this date/charged off this date/with this account #/,etc. etc. you will not only be telling the truth,but giving a more effective dispute. I personally do not subscribe to the notion of dealing with people who have treated you badly, or unethically in the same manner as they have dealt with you. In my opinion, reflecting ill will and bad behavior for any purpose only raises the level of nastiness in the world, and we certainly already have more than enough to go around.
Re: Is Lying to a CRA Illegal? So i after doing the osterich and hiding one's head in the sand .. I would not be lying when I say I cannot recall the details of this account .. When an entry has the wrong middle intitial etc you have legit reason to question it.. I wonder ho many people would be kind enough to to tell the parking violations people that the parking ticket licence plate info was incorrecct and here is the correct plate number and pay for the ticket. To a point the system as whole is to blame. Banks dangle a candy bar then you munch on it and ruin your teeth. No candy bar no bad teeth,, If the ciggy companies can be held liable so should banks. If I did not get all the cards in the mail etc and credit was so easy to get I would not be in half the mess I am in now.. None of this justifies anything but the banks have resposibillity too.. And in the end they make out from bad credit and they get to write it off And jack the rates up for EVERYONE. I bet a .5 % rate increase makes a lot more money for banks that the bad debts. So the banks need bad credit. Many moons ago I worked as claims adjuster and assigned rick policies always had a high claim rates but the insurance companies loved it because it was also a VERY high premium rate. So things that look bad can very good for the bottom line
Re: Is Lying to a CRA Illegal? So i Is it lying when the CRA's tell us that they have verified a dispute, and the original creditor says they never heard from them? What I'm saying is this folks. these people try and hold regular consumers to higher standards than they do themselves.
Re: Is Lying to a CRA Illegal? So i This is why my philosophy of creating a new file is cheaper and easier. Once your original file is cleaned up you can close down the new one or merge them and have more tradelines. BTW...non of the naysayers have ever been able to point to a case where someone was convicted of having a new file. It's not your fault if the CRA computer thinks your someone else. You don't need to change your SS# like everyone thinks either. Imagine how many files there are for Smith. Anyway, just sharing another view point.
Re: Is Lying to a CRA Illegal? So i If you keep using the same SSN that's on your old file, how would a new one be created? Saar
Re: Is Lying to a CRA Illegal? So i We don't have to point to a case. It is illegal. Period. End of story. If you want to do this, go ahead. But you shouldn't be promoting illegal acts on the board. Also, if you don't change your ss # as Saar asked you about, what do you do, just borrow one from one of the Smiths?
I personally don't have a problem with doing anything it takes to get a deletion, but I find your attitude to others who hold themselves to different standards a bit distasteful. If you are directing this staement at trolls who are here just to disrupt the board, that's one thing, but to just go off on people because they don't agree with a "no holds barred" philosophy is immature. Gib
Well sometimes you gotta fight fire with fire: With CAs and some others if you don't fudge they won't budge!
Nestea, what is your problem? Isn't this now the 2nd offensive post you have written? You need to calm down and stick to your own business.
