If "most" of you on this board had paid your bills on time, there would be no need for a site like this one. If you do have legit credit reporting errors then take it up with the cra and the oc. If you have the proof it will be corrected. Or themn file the lawsuits. Excuses like death, jobloss, etc. are just plain excuses. You must pay your bills when they are due. CRA are set up to report factual information. If fact we are rated the best in the world for accurate reporting. We have a 3% error rate. In any industry this is excellent. For those of you trying to take a short cut, in the end you will not prevail. If you do the crime you must do the time.
"Some thing to think about" nice gramar If you do not wish to help people why don't you go away? something for you to think about.
Listen here bud!!! The United States Congress inacted these laws we use to avoid filing BK, another legal but more drastic move. what do you think? make that illegal too? Oh yeh I. Yes, I have poor grammer. However, I have never claimed to be what I am not.
In this country...70% of all US Consumers credit reports contain inaccurate information. 100% of your posts are idiotic.
Problem is, congress established the time frame to be 7 years, yet you and your kind consistently disregard this little rule. What have you got to say to that. What do you mean do the time? How do you define the time? Eternal damnation for one mistake? But of course someone as smart and educated as yourself, probably never suffered any tragedies such as job loss, death of a close family memeber, etc... I am sure your $7.00 per hour financial analyst job - flying back and forth to China serving collection notices to overseas debtors covers all your expenses...Pulse...lol BTW how is collector1 doing?
Corrections: If you did your jobs and followed the law regulating your business there would be no need for a site like this. "...If you have the proof it will be corrected." Case in point, you should read those laws, I don't need proof, you do. If you do have legit credit reporting errors then take it up with the cra and the oc." Exactly the point of this site. Nothing illegal about consumer protection laws and remedies for non-compliance. 3% error rate!!!!!!!!! You know the report accuracy statistics are based on was authored by none other than Mr. Anderson of Enron fame, yes? There is no justification for ignoring and side-stepping the reporting laws. That is in fact why they were FINALLY passed to rein you in. Sassy BTW, your bosses are reading this board, no more coffee breaks for you.
Excuses like death, jobloss, etc. are just plain excuses.. ROFL.... It is so hard to hold onto a job when you are dead. They want you to show up for work everyday damn day! And the decomposing flesh just turns customers off so much. I know I can't stand it when my buds don't pay me what they owe me just cause they are dead. What a cop out!
We know Uh oh, I spelled "grammar" incorrectly! At least I saw my mistake. and tried to fix it. There is always room for improvement. It is kind of like my credit history I looked back and saw inadvertant errors. I am merely trying to correct the mistakes. perhaps you should call the creditnet cops too! I regularly go back and edit my posts when I make mistakes! I predict the Doc will tell me he loves me. I don't know If my wife would aprove. But thanks Doc You are the BOMB
I am on this board in part because the CRAs reported three mortgage lates and seven lates on my car payment THAT WERE COMPLETELY INCORRECT. I am also on this board to get educated, because I work for a mortgage broker, and all day long I help people to fix things on their credit reports that the CRAs ARE REPORTING INCORRECTLY. I don't know where you got your statistics (probably one more thing the CRAs are reporting incorrectly), but I am sure they only reflect actual disputes. Did it occur to you that there is a lot of inaccurate information on credit reports that never gets disputed, because people don't know how? Duh, maybe that is why we are here. How do you count incorrect information that never gets disputed? And as someone (Mark Twain?) once said, "There are lies, damn lies, and statistics." If you don't have anything better to do than attack people who are trying to make better lives for themselves, maybe you need a hobby. Or perhaps you need an education. If you work for a CRA, then I am absolutely certain that you need an education. Try spending more time reading the FCRA, and less time looking like an ignorant fool.
PULSE, PULSE, PULSE! How is it over there on the feedback forum having all your threads closed? Sassy
I believe he is referring to an Andersen report published a few years back. I am employed by one of the former Andersen's primary competitors, and I have reveiwed the report and the techniques used to draw the conclusions. It is my opinion that their sample size was not adequate to justify their conclusion based on the population size. Further their use of negative confirmation procedures used for their investigation is less reliable than positive confirmation procedures. Also, the procedures used to verify the information is questionable. Do any of you ever remember receiving a audit notice from Aurthor Andersen asking you to verify information contained in your credit report as accurate? I know I don't. Do you know anyone that did? Do you think Andersen ever contacted a single consumer to verify information contained in their consumer report - no! they contacted creditors and not enough at that.
A 3% error rate is excellent? LOL Yeah, OK. Setting aside the fact that CRAs are nowhere near 97% accurate, if the databases that I create and maintain for my company held 3% inaccurate data, they'd boot me out on my ass.
