I am very disgusted at the fact that we the consumer have little say so about regulations regarding our credit. Don't get me wrong, the FCRA & FDCPA are major improvments and are really good tools. However, what's the use when OC'S and CA'S very seldom obey them. Lets face it, some of these creditors know they are in the grey zone when it comes to the reach of the law. So they just give us their generic letter and go about their business. What about when we do take action, go to small claims and then the judge throws out the case because something very little, etc.- no damages. I think the CRA's and every other creditor should be held to the same standards that we the consumers are. Therefore I suggest we send our most lethal expert here to go face off on the oreilly factor. I think we could get reps from the CRA's, Major creditors to answer a few questions provided by one of our fearless leaders here on the board. O'Reilly would site with us the consumer. I am just thinking about this, let me know what ya'll think. I just think that these abusive practices by the industry should be called out..
The spin stops here!! hahah This guy would tear them into, especially with a little help from some knowledgable soul..
