Questioning integrity - am I crazy?

I always considered myself a person with high moral standards. But, after dealing with the CA's. CRA's and creditors, none of whom have any moral standards, I found myself losing every battle because I teied to play fair. So, I got on their level and started winning.

I don't feel bad about it. I know that not all of them are bad, but I treat them all the same - they are the bad guys.

I still have high moral standards in other parts of my life. It is just in dealing with these people that I lower my standards and fight on their level.

For whatever it is worth, I believe that seven years is too long to suffer for a mistake, so I son't feel bad about getting an early deletion of a negative.

Also, paying off an old bad debt and then getting it reported as a negative for seven years is stupid. I believe that I should pay my debts, but not suffer for it. The guy who does the wrong thing and walks away from his debt gets his credit fixed sooner than the guy doing the right thing by paying his debt. That is stupid (just expressing my opinion, not moralizing).


I don't feel bad about any of what I have done in repairing my credit. But, everyone has to live with themselves.

 

I think we tend to make a moral issue out of a legal issue. CA's and creditor's often want to hold us to the moral and legal standard, while they themselves ignore both. It is not immoral to use the law to fight them.

 

Breeze....I agree. There is nothing wrong with holding a CA, OC, or CRA to the same legal standards we consumers are held to by those same institutions.

 

Integrity, girliegirl, comes in playing by the rules.

Using your lawful ability to question inaccuracies and demand they play by the rules doesn't cause me to loose many nights of sleep.

The fact is, in my humblest of opinions, if the CRA's followed the rules as we do; if the CA's followed the rules as we do -- there would be no reason for this message board!

There was a thread before someone defending the CA's lack of validation as an overwhelming burden that can't be met. Oh well I say, do your job right the first time and no one would have cause to request validation, then it wouldn't be a burden for anyone.

Don't forget it's a burden for us as well, we've the burden in initiating contact and requesting the information that should already be there and be accurate.

We have no rights at all until we allow them to clean up their mistakes via notification by us telling them something is wrong.

I don't know about you, but no one called me up to say, hey sassy, I think there may be some mistakes on your credit report.

I'm held accountable for my work, responsibilities, decisions and actions -- how come we shouldn't hold others to the same standard, most especially with laws in place that allow us to demand we all play by the same rules?

Sassy

 

P.S.

Case in point is the concurrent experian warning thread to california state employees. Experian full well knows what the rules are and they don't even have the decency to tell you, preferring instead to maximize profits for the least amount of work.

Sassy

 

Passing you the dice, girliegirl ;-)

I think whether you pay your bills or not, timely or not, ever or not, is irrelevant -- they don't report the good tradelines correctly either.

Also, I don't think the proportion is right, if you're going to report, then report, but report it all, good and bad, and report it right.

Sassy

 

Well, I have thought about the issue for some time.
I cant help thinking of the story of Jesse Livermore.
J.L. was the Great Bear of Wall Street in the early part of the 1900's. He made and lost millions when a million was something. He also went bankrupt a few times. He also paid his creditors once he was
solvent again even though he didn't have to.
His views were that the dark cloud of debt kept him from functioning. Once he went BK his life improved and he was able to be profitable, his relationships improved, ect.


I think my first responsibility is to my own well being.
If they want to be punitive and play "pay us because you have to and we wont delete because we dont have to " I then will pay it on MY terms--I will use the law to my advantage and get it deleted. If I feel the need to pay them I can send them a money order at a later date or something.
Just because I owe someone money doesn't mean they own ME.

Biblical laws understood this concept very well. I believe it was something like every 7 years people who were under the yoke of debt were to be released because it crushed the human spirit, prevented them from living life.

Oh, one other think to know. Jesse Livermore isn't the greatet role model for life as he ended his with a revolver in the cloak room of a New York hotel.

 

Good post, Hermit!!

 

Let go of the guilt, girlie. It keeps you in the victim role. You did the best you could. You are obligated to learn from your mistakes, that's all. Oh - and reach out to help the person behind you on the climb from the pit of despair.

 

but then I also know that I did incur the debts - so why does that give them a right to break the laws?

and that I have an obligation to pay. true or not it don't give an excuse for them to break laws.

and they are under no obligation whatsoever to delete. Oh. yes they are!

 

Just a quick input-the CRAs are out for themselves, and don't always play by the laws in place to keep them from running completely amok. I approach anything that I do with them as business-objective and self serving, which I am sure is the way they play as well.

They see their customers as the creditors, not consumers. And the irony is, if you apply for credit, the creditor will often pull more than one report, because they know that all of the CRAs do a variety of jobs maintaining accurate or efficient records.

Let go of any guilt, because they will take advantage.

I've been able to clean up my reports enough in the last 2 years to get a brand new apartment and a car loan. I will wait another 2 years for remaining negatives to pursue my ultimate dream of a house.

 

I believe that seven years is too long to suffer for a mistake,
*Especially when 70% of the mistakes are theirs.

I believe that I should pay my debts, but not suffer for it
*Rite ON!

The guy who does the wrong thing and walks away from his debt gets his credit fixed sooner than the guy doing the right thing by paying his debt.
*YEP:Something wrong with that picture!