I've never done this lawsuit thing

Re: The point

So if I get laughed out of court, I'm out twenty eight bucks and a few hours of my life in exchange for a terrific learning experience. Others may even benefit vicariously from my crashing defeat.

On the other hand, after I pointed out to them several times in certified letters that what they were and are doing is not in compliance with the law, can they still claim negligence? We'll find out. October 4th.

I agree with you that the law is flawed. Given that the law says that the CRA's can simply ask the OC, "Zis OK?", and when the OC responds, "Zats OK", the CRA can legally report back that , "Zats OK." I don't see where I have any grounds under the current law to sue the CRA. I do see lots of opportunity for going after the OC, the "Furnisher" in FCRA language, for knowingly "furnishing" faulty info.

I don't see any down side to this. If I totally lose, I'm stuck with an inquiry on my report for another eighteen months. Big Deal. The paid charge off goes away in ten months anyway. Another Big Deal. Yawn. It has No bearing whatsoever on my mortgage situation. As soon as Chevron and Cap1 were knocked out of the way, the mortgage became possible. My scores are high enough (see below--- they've all gone up 10-20 points since I last updated). A six year old paid charge off that only shows up on one report isn't going to kill me. The mortgage companies all seem to only really care about the last two years.

That's one way to look at it, I suppose. I look at differently, as you would probably expect. When I first started looking into improving my credit, I though it was an impossible task. I found this place, signed on and even posted a few times under the oh-so-flashy screen name of tda325. Then the bug bit me. I suddenly realized that maybe, just maybe, I could do this. Maybe I could improve my credit. Maybe I could improve the life of not only myself, but far more importantly, my wife and daughter. Maybe I could, dare I even think it? maybe I could even get my credit clean enough to buy a house. Seemed like an Impossible Dream to me, but I was willing to try; to pick up the challenge, hoping that I'd be able to get enough help here to get it done. I'm not sure I really believed it, but I was hoping really hard. So I got my new screen name, tilted my whatever-that-thing-is-that-they-tilt and away I went. Now, well, I wear my optimism, as well as my screen name as a badge of pride. It works for me. I think it's one of my best things. I'm thinking my next car needs Quixote on the license plate.

I've worked really hard at this. I've gotten over 75 derogatory trade listings removed between my CR's and those of The Lovely Mrs. Quixote. We're buying a house. A nice one. Two thousand sq. ft. on 3/4 acre in a very nice neighborhood. I have already qualified, and should have finalized next week, for a Stated Income, Stated Asset loan. Basically they check my pulse, and fund the loan. At 6 7/8 percent with one point. Not bad. If I hadn't just needed to change jobs and had more cabbage stuffed away, we could have gotten a better rate, but the fact that I'm able to get a decent rate on a $271,200 loan on basically just my signature, on the strength of my credit reports, just fourteen months after first tilting at my personal windmills, well, dang it, I'm kinda proud of that. You can choose to believe me or not. It's entirely up to you. There's over a thousand posts to look back through if think I might have some ulterior agenda.

EggZachry.

 

Re: The end game

If by my letters, I'll do what I can. Still haven't found them in any of my zip files..As new letters are sent and received, I'll be posting them in this thread. I've alread posted my offer of settlement letter above.

I'm not sure why anything would be more important than winning the case.

Believe me, so would I. So far , not a peep. There has been no offer to accept or reject. Believe me. If, as in the case you cited above, they offer 4K to go away, I'll be gone very quickly.

Now you're starting to get into the proper spirit of things...

 

Re: The end game

Why in the world would you ask that?

 

Re: The end game

Thanks LKH. I sorta figured that Greg is trying to double check me. I guess I just wonder why my word is all of the sudden suspect; at least with some people. If I was trying to peddle something here, I would totally understand someone trying to verify any claims I might make. But, hey I'm just providing the narration for a small little adventure going on in my life. Anybody who wants to watch or not watch, listen or not listen, believe me or not believe me, is perfectly welcome to. I have nothing to sell here.

I certainly could re-type the letters in here, but I'm not a fast typist, and, frankly, I've got better things to do. If I find the files I guess I might as well post them, considering I've already posted the offer for settlement letter. The only caveat I'll put on that is that the letters I sent them were developed when I was signed up with Bill Bauer. Despite the fact that apparently Bill and I don't get along so well anymore, out of courtesy to Bill, I will ask his permission before posting the letters, as I think he has copyrighted some of his template letters. Not sure about that, but I'll check with him (if he'll reply to me, that is).

I just can't figure out what's bugging Greg.... Why would I make all this up? Why is Greg so tanked up about this? It can't possibly affect him directly, whether it's true or not, can it?

 

Re: The end game

The thing is, Greg, as I've already stated, not in so many words, I don't give a damn whether you believe me or not. I'm not trying to sell you anything, do business with you, and I certainly owe you nothing.

I've also said at least three times now that I have photocopies of the letter. I have also said that they were very simple letter that I got from Bill Bauer. I have also said I don't know how many times, THE ONLY ISSUE IS WHETHER MACY'S HAD A PERMISSIBLE PURPOSE TO PUT AN NQUIRY ON MY CREDIT REPORT ON JANUARY 24, 2002. The rest of this nonsense is just that; nonsense.

 

Re: The end game

OK, now that was a funny.