Lizardking question :)

In your post you said,

" I had far more success just filing my own small claims lawsuit in local county court for:
1) Violation of the Fair Credit Reporting Act
2) Defamation of Character
3) Negligent Enablement of Identity Fraud"

Regarding #3, this is because the accounts weren't yours? Correct? I'm preparing a battleplan against the CRAs right now so I want to make sure I understand what your attack had in it.

Also, in your damages did you include willfully causing you financial damage by purposefully decreasing your credit scores?

Eg: I have several inqiries I just saw on my reports. They're from my current creditors for my current credit line increases (NOT applications for new credit). These inquiries should be soft, not hard.

In the #8 FICO reason code it discusses inquiries reflecting applications for credit. account reviews are clearly different. and the CRAs have proprietary knowledge about how much/little these hard inquiries are affecting our scores. My Beacon is in the 630s or so, therefore the incorrect inquiries will affect me MORE because I have marginal credit.

When the CRAs describe the inquiries as "fact" and remove to correct or delete them, they also willfully decreasing our scores thereby directly causing us financial harm via 1) decreased credit score 2) declined credit applications due to decreased score 3) higher costs of current score due to decreased score.

This seems very willful, wanton, and negligent harms... which would set it up for punitive damages.

Did you address any of this in your lawsuit? Seems to me several lawsuits regarding inquiries would make them change their policies on correcting inquiries.

Also, their blatant policy on Not correcting inquiries seems to set them up for more exposure to lawsuits. THeir very clearly stated "refusal to correct" these seems to be even a better way to sue. They do this to EVERYBODY who even questions their inquiries, right. Class action material.

Any thoughts? and did you include any of the inquiry harms in your lawsuits?

 

thanks. I am actually addressing several other "big" issues... but I'm going to throw in the erroneous inquiries in the mix. Might as well go after them for it all.

I also wouldn't just bother for inquiries but since I'm going to hit them anyway, might as well use a shotgun approach.

 

Did you dispute EVERY negative on your file?
It almost sounds like TU preemptively took everything off.

I'm just wondering b/c I have 5 derogs, and I can truly dispute 4 of them b/c they have true multiple errors. I also have documentation proving I'm correct.

I guess I'm going to your/ my punitive damages. Personally, I really am ticked. If I have to file suit to get errors removed then I really want punitives. I shouldn't have to spend MY money to correct THEIR errors.

But, I am wondering if I could let them delete all 5, 4 should be deleted and 1 could be deleted to satisfy my punitive damages.

I'm just not sure how to address the last issue since I can find no technical errors in it.

 

the one is a bk public record listing... and I don't have a technical issue to dispute it on. I don't want to say "not mine" in the paperwork b/c if I go to court... ugh.

I have them on the other 4 and I know they'll b/s the verifications. they've done it before, and when they do it again I've got them.

Any suggestions on the public record bk?

Since it's a "big" one... I'm hesitating on including it in my disputes.

 

it's a bk7 so there's no amount.

Is that incorrect?

 

300????? Good god. Where's that list? I can certainly find something out of 300 but I have only compared what's on my report to what reality is.

Where would I find the 300 legitimate reasons?