Rebuild Credit After Bk Read This!!

Re: Re: Re: Re: Rebuild Credit After Bk Read This!!

You are beginning to sound like you work for them. I'm getting a little tired of you calling what we do scams. Why don't you take your b.s. to a board that thinks like you.

[]

 

Re: Diagnosis

Nothing personal, of course, since no person named "Jason1971" ever existed. But here's my diagnosis:

(1) Illiterate.
(2) Illogical, incapable of engaging in sequential thought from premises to a conclusion.
(3) Narcissistic attention seeker, writing anything that is likely to get a response, regardless of whether it agrees with reality or with previous attention-seeking statements.
(4) Confused, either (a) lacking any purpose in writing, or (b) trying to hide a purpose and justify it at the same time.
(5) Unbalanced, not in control of emotions, which are being simultaneously expressed, sublimated, repressed, and denied.


Welcome to Creditnet.

 

Re: Diagnosis

let us all get together and sing ' for he is a jolly great trolllllll'. I love how they come here and offer 'great advice' and then start ragging on people. Usually the smarter trolls wait a few months but I guess jason was itchin to get started sooner.

 

Re: Re: Re: Re: Rebuild Credit After Bk Read This!!

Great analysis "Psych"Richguy. LOL

You are the new guy on the block. Take your wild imagination elsewhere.

 

Re: Re: Re: Re: Rebuild Credit After Bk Read This!!

Jason, Could you please make your posts just a little bit shorter, And maybe not use so many big words. It is making my head hurt. With an I.Q. under 100 how can i possibly understand what you are saying.










Alot of people that file Bankruptcy have an I.Q under 100. These people do not have the money or knowledge to understand the correct and upcoming "outdated" methods of pulling this off. They can look at this and think it is easy and step in and battle not prepared or how to handle.

 

Re: Re: Re: Re: Rebuild Credit After Bk Read This!!

I have to say that this is one of the best threads I have read here. Thank you all.

 

Re: Re: Re: Re: Rebuild Credit After Bk Read This!!

OK Jason, instead of just spouting off that everything has changed, why don't you tell us just exactly what has changed? Then maybe you'll give your nonsense some credence.

BTW, a troll is someone who appears, spouts off to cause trouble, disappears, and then reappears at a later date to start again. Sound familiar?

Also, when did things change so that getting a bk removed is no longe possible? How long ago did this occur?

 

Re: Re: Re: Re: Re: Rebuild Credit After Bk Read This!!

Did'ya ever think his name might be Rich or Richard?

Oh well, everyone knows the old joke about assume.

 

Food for Thought

You cannot "get in trouble" as a result of disputing correct but negative information with the credit reporting agencies. Here's why:

1) CRA reports do not enjoy the legal status accorded documents of record. A credit bureau file is not held in the same light as a police record, for example. Neither is such a report held in the same light as an application for credit, which is a contract initiation and must be lawfully devoid of fraudulent information. Rather, federal law regards credit bureau reports as being lists of unproven allegations. Federal law regards your CRA file as being nothing more than gossip which remains to be verified.

2) The FCRA invites consumers to dispute anything on a CRA report and obviously does not require consumers to know in advance the disposition of any dispute (i.e., whether it will be denied as incorrect, accepted as correct, designated "frivolous," etc.). There is no penalty for submitting disputes later deemed "frivolous," although the CRA may return such disputes to the consumer at their discretion.

3) Having estimated the collective CRA error rate to be between 30% and 60%, PIRG and other credible research organizations attest to the unreliability of the present system where three private companies compete with each other to sell your personal information. Complicating matters, these UNOFFICIAL and OFTEN INACCURATE reports are often used for purposes other than the acquisition and maintenance of new credit which was their original intention (employment, insurance, and other critical matters) and impact a consumer's finances tremendously.

4) The United States does not require creditors to report to credit reporting agencies. We have a voluntary system. The only extant guidelines are those which limit the MAXIMUM duration of such reports. The only protective guidelines which exist are those which protect the consumer against actions by CRAs and abusive CAs. While bankruptcy tradelines may appear for a maximum duration of 10 years, and non-BK tradelines for a maximum of 7 years (5 in NY), there is no MINIMUM required reporting period mandated by law.

5) The system is broken and needs to be replaced by a single, government-run entity. Credit scoring algorithms should not be maintained by a private company with strong financial industry ties; rather the formulas should be opened for inspection and utilized singularly. Consumers should not have to fight 3 or more private companies when attempting to deal with such pivotal personal issues. Consumers are not obligated to cooperate with these private companies which buy and sell their personal information on an unofficial basis.

6) Other statutes do preclude the fraudulent use of Taxpayer Identification Numbers as Social Security Numbers, so misidentifying your SSN to anyone, even a CRA, violates several laws. Being honest about your SSN is your only obligation by law. Pursuant to the federal civil rights outlined under the FCRA, anything else on your report is gossip which can be challenged in any manner the consumer desires, albeit with no guarantee of successful outcome.

Love and Happy Valley,
Doc

P.S. We've not heard "Love and Happy Valley" around here lately, so I thought I'd rectify the lapse.

 

Re: Food for Thought

I though it was "Peace, Love, and Happy Valley."

wajaba

 

Re: Food for Thought

Thats a scary thought, but otherwise,

Great post Doc!

 

Re: Food for Thought

Thank you, jlynn! By the way, regarding overhauling the credit reporting system, how would you like it if police blotters and other official repositories of critical information of record (marriage and death certificates, property ownership titling, etc.) were maintained by three competing, for-profit private sector companies? I agree that the government shouldn't do certain things (run the post office perhaps, etc.), but some things really are run best in the public sector (drivers licenses; the military; etc.), which is why we have a government in the first place. At the very least, I hope you would agree that it doesn't make sense that consumers should have to battle three different entities (and with Innovis, perhaps four, and whoever else joins the fray in the future) in order to confront their credit history.

Doc

 

Re: Food for Thought

Jason, your post and run behaviour and failure to respond shows you to be a troll. Don't spout off your nonsense and then run. Why not stick around to respond?

 

Re: Re: Re: Re: Re: Rebuild Credit After Bk Read This!!

Who have you helped? You have done nothing but say our methods are outdated, but you haven't told us how to change what we do.

The word is spelled T-E-M-P-O-R-A-R-I-L-Y.

Please explain how someone could temporarily get away with something for good? WOW!!! What poor use of the English language.

How long do you think it will take for the cra's to catch up with my temporary success for good?

 

Re: Re: Re: Rebuild Credit After Bk Read This!!

Even when you're accused of murder you can plead "not guilty."

Of course "credit criminals" don't have rights - They didn't pay their bills, they must be punished forever.
Breeze
==============
Folks know why this is so?
Real simple:
Because The Credit criminals are where big business makes the big money.
There's not much profit for them in murderers, rapist arsonist etc.
The END ************************* LB 59

 

Re: Re: Re: Re: Re: Rebuild Credit After Bk Read This!!

They are "on to this stuff?" they are getting the daylights sued out of them - and settling for DELETIONS because they don't want people to know how sloppy they are, how bad their systems are, and that they don't care if it's right or not, as long as they can sell it.
breeze
------------------------
Right on Breeze. The same thing I've been saying all along and ironically the same reason you have me on ignore.LOL
The END ************************* LB 59

 

Re: Re: Re: Re: Re: Rebuild Credit After Bk Read This!!

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