troll alert troll alert troll alert

Wow, am I the troll you're talking about?

For the record, I've never bashed this board on MSM Money. This is my first visit here, so I've yet to form an opinion. The only one I've seen bash this board is Shotcaller, and he's not here.

For anyone interested in my credentials, I've been in the mortgage business for about five years now. I started in the sub-prime market, but now I do both prime and sub-prime mortgage loans. I know how lenders judge you, and I'm willing to tell you all about it for free.

I was also a bill collector for about three years. This gives me experiance with the FDCPA and the FCRA, I know what collectors are and are not allowed to do, and I know how the system works from the other side.

Oh yeah, I also put Equifax on my resume. I worked there for three years.

So for anyone who cares to read the words I put here, take my experiance for what it is and place whatever value you may on it. Personally, if I had known at the age of 20 what I know today, I would have saved myself a lot of grief and trouble. I'd like to think maybe I can save someone else from similar grief and trouble.

Any public message board is only as good as the people that use it. The internet is full of armchair-lawyers who offer bad advice for free, knowing they will never see the results of what they do. Cloaked in anonymity, it's easy to put forth what you wish is true as truth, and damn the consequences.

In my opinion, it's best to have a variety of views in a message board. If people use the information to make important decisions, a variety of perspectives is best. Over time, those that know what they are talking about will win over those that put forth wishful thinking, and everyone will be better for it.

 

god, you sound like a know it all troll already. go away. believe it or not, there's very little you can add, that isn't already present.
Unless you can tell us some secret code Equifax employees use to clean their own credit, from the sounds of it, you going to cause more trouble than it worth.
only a troll would get so offended at picantel's post. . .
so why exactly did you post your resume here???

 

I don't think people with bad credit are bad people. I used to have bad credit, many of my friends have bad credit. Many of my friends have good credit too.

Much of my business is based on working with people with bad credit. In a sense, I find it more rewarding working with bad credit customers than with good credit customers. They need my help more. Anyone can do a good deal for someone with good credit.

At the same time, I'm truthful with my customers. When one of my sub-prime customers asks me why their interest rate on their new mortgage is going to be 9.5% instead of 5.75%, I tell them it's because their FICO is 560 where the average FICO is between 680 and 720. That's the truth, and I wouldn't do anyone any favors by saying anything else.

Fantasy world? I used to live in this fantasy world where I thought I didn't really have to face the consequences of my bad decisions. When I got over that delusion, things got better really fast. The truth is it usually takes more effort to get around the consequences of the bad decisions than it does to just take the lumps and move on.

No, the CRAs are not always right, but they are most of the time. When they're not, it's usually the fault of the creditor, not the CRA. I'm in the trenches, that's what I see. If you have a problem with a creditor and blame it on the CRA, well, you're an adult and you can decide how to spend your time and energy.

Morality...I think it's important. I hope we don't disagree on that.

If somebody wants to do something immoral, I'm not going to waste my time telling them it's immoral. Chances are they already know that. I will tell them it's probably not a good idea, and why. In my experiance, those who try to get around doing the right thing tend to get burned. Why? I don't know. Call it God, call it karma, call it whatever you want, but it's true. It's so much easier just to make the right decision to begin with.

I'm going to hang around here for a little while. I hope to share some of what I know and maybe learn something in return. I'm sure my perspective will be different from the regulars, but if you reserve judgment for a bit, I think you will see that's more good than bad.

Shalom!

 

If I gave the impression that I was offended, then I gave the wrong impression. Let me correct that now.

If there is very little I can add, then I will have to settle for affirming what someone else says. That's important too.

I posted the resume because I'm new here. Wouldn't you rather know something of those you are talking to?

Sorry, no secret codes for Equifax.

 

Mycroft

Why did you immediately assume that this post was aimed at you? Do you by any chance see yourself in the description? If so, then yes it was aimed at you. If not, then I would suggest that you not be so sensitive.

As far as posting your "resume". That means less than nothing. Anyone can claim a past, especially when doing so on an anonymous message board. Just post advice as you feel a need to. I can promise you, there is a sufficient knowledge base here. If you provide bad advice, you will be called on it. If you provide good advice, then you will be welcome here. Remember, it is your choice as to how you are received here or on any forum. In other words, your responses and posts will determine your "resume" not posting it.


fla-tan

 

Hello, Creditnet:

We ask that you wait until someone actually violates our Terms of Service before reporting them as a "troll." Like everyone else, Equifax employees are welcome to post here and may well provide helpful insight -- purposefully or perhaps accidentally -- which will assist consumers in learning more about the credit industry in general and CRAs in particular. As an example, I note that one of the most-viewed threads on this board was initiated by "WestCap," a collection agency owner who is now inactive by choice but who was previously embraced as a helpful member in good standing.

Second, we're not concerned about a member's behavior on another board, because frankly these anonymous nicknames can be co-opted by anyone. Instead, we will respond to TOS issues on the basis of demonstrated and documented behavior on Creditnet in particular.

Finally, simple disagreements regarding issues or philosophy don't constitute a violation of Creditnet's Terms. Rather, harassment, name-calling, etc., do qualify. I would encourage members to use restraint before judging others. Actual Terms of Service violations, however, are never welcome, and specific reports of such behavior are always appreciated.

CCN steve