Credit Legislation Activists

Tue Jun 26th, 2007 08:37 pm
by Christine

Judge Wake's 8/29/06 Order regarding the Capital One refusal to report credit LIMITS
Arizona Federal Court CIV-04-1192

1,640

Thu Dec 7th, 2006 02:11 am
by Christine

Background info on universal default clauses, insurance and banking practices
It's been a problem for years, but getting worse all the time

2,172

WaMu 26% rate due to credit without any derogatory data

Fri Jan 19th, 2007 08:05 pm
by Christine

The FCRA requirements for COMPLETE reporting
15 U.S.C. § 1681s-2

1,856

Thu Dec 7th, 2006 01:52 am
by Christine

Verizon Wireless reports without the DATE OPENED

2,262

Thu Dec 7th, 2006 02:04 am
by Christine

Why it is so important to get a ruling in favor of COMPLETE reporting
We can't amend the FCRA every time a creditor decides not to report certain data

2,205

Thu Dec 7th, 2006 02:42 am
by Christine

Chase illegal credit card rate increases documented at Fight Back and in press release
Pett v. Chase

2,739

WaMu 26% rate due to credit without any derogatory data

Thu Jan 25th, 2007 10:50 pm
by Christine

In January 2001 I found out that missing credit limits can lower credit scores
6 years of complaints and litigation later, Citi and Target comply, but Capital One refuses

1,812

Sat Jan 27th, 2007 12:26 am
by Christine

The CDIA (eOscar) credit reporting manual REQUIRES the reporting of the credit limits
The screenshots and the 201 page 2006 manual

5,267

Fri Feb 2nd, 2007 03:11 am
by Christine

Fair Isaac credit reports with the FICO scores (myFICO.com)

3,147

INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports

Wed Feb 14th, 2007 11:12 pm
by Christine

The suggested amendment of the FDCPA to notify consumers PRIOR to credit reporting or credit checks
§ 809. Validation of debts [15 USC 1692g]

2,489

Collectors need to NOTIFY consumers of collections

Fri Feb 23rd, 2007 06:57 pm
by Christine

1/22/07 TU FICO score -- 663 -- 3 collections and one 30 day late payment
3/3/07 FICO score -- 648 -- 1 collection and no late payments

4,974

Capital One SUES consumer after notification of ID theft

Tue Mar 6th, 2007 05:36 am
by Christine

Bizarre FICO Scores

ID Theft
Capital One Sues me for an account that was not MINE

5,814

mcniff911

Sat Mar 31st, 2007 08:06 pm
by Wandering Oisin

Screenshots: MOST data on the Equifax direct report is NOT reported on myFICO reports

3,988

INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports

Sat May 5th, 2007 04:06 am
by Christine

5/4/07 - FICO scores add FICTITOUS Equifax late payments long after charge-off
FICO scoring software "misinterprets" reporting of account as charged off

12,527

Fair Isaac FICTITIOUS lates on Equifax reports

Fri May 11th, 2007 06:49 pm
by Christine

Mortgage inquiries NOT identified as such
How could FICO scores deduplicate these inquiries?

4,498

Failure to disclose the often INCORRECT inquiry classification

Sat May 19th, 2007 08:41 pm
by Christine

Horrible forum software WOWbb
Only registered users can view screenshots

1,837

Mon May 21st, 2007 03:16 am
by Christine

FAQ

The only way to PROVE the lies, abuse and harassment is to RECORD the phone calls
LIES are the #1 reason for the subprime mortgage crisis

3,784

Federal law to allow recording of sales and collections calls

Mon Jun 11th, 2007 05:15 pm
by Christine

3/18/05: My California DRE complaint about the Lower My Bills false advertising
LMB is now Experian owned

7,269

The regulators REFUSE to enforce consumer protection laws

Fri Jun 15th, 2007 01:37 am
by Christine

6/19/07 The House Committe on Financial Services Hearing
The links to the webcast and testimony

1,616

The archived webcast and the transcripts

Fri Jun 22nd, 2007 10:54 pm
by Christine

6/19/07 testimony of the National Credit Reporting Association, Inc.
Rapid rescoring and credit bureau charging multiple report fees

3,410

The archived webcast and the transcripts

Fri Jun 22nd, 2007 11:11 pm
by Christine

My 6/21/07 Open Letter to the members of the House Finance Committee
A summary of SOME of the major problems with credit reporting

15,836

6/21/07 Open Letter to the Members of the House Financial Services Committee

Tue Jun 26th, 2007 02:15 am
by Christine

Rep. Paul E. Kanjorski, D
11th Congressional District of Pennsylvania, serving 12th term

1,738

Tue Jun 26th, 2007 08:45 pm
by Christine

Apparently an UNDATED late payment rates as if an account was late 1 year ago
Why? -- to lower the FICO scores

3,772

Fair Isaac rates UNDATED late payments

Tue Jun 26th, 2007 10:48 pm
by Christine

2/3/05 bizarre myFICO reporting of collections
Reported the balance twice and with different dates

2,978

INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports

Sun Jul 1st, 2007 08:03 pm
by Christine

Rep. Maxine Waters, D
35th District of California, serving 9th term

1,338

Thu Jul 5th, 2007 06:14 am
by Christine

Carolyn B. Maloney, D
14th District of New York since 1993

1,373

Thu Jul 5th, 2007 06:49 am
by Christine

Nydia M. Velázquez, D
12th District of New York, since 1992

1,353

Thu Jul 5th, 2007 07:30 am
by Christine

Luis Gutierrez, D
4th District of Illinois

2,904

Thu Jul 5th, 2007 07:37 am
by Christine

7/5/06 Focus Receivables collection call, extorting $250 with threats of credit reporting
Collector James Hurd ignored the legitimate dispute and continued to collect and threaten

3,058

Collectors need to DELETE disputed collections prior to validation

Sun Oct 14th, 2007 05:14 am
by Christine

Why I started this new forum

1,982

Sun Oct 14th, 2007 06:00 am
by Christine

FAQ

The 11/20/07 Chase press release announcing the change in account rating
As of 3/1/08 they will no longer use credit scores

970

WaMu 26% rate due to credit without any derogatory data

Tue Nov 20th, 2007 08:28 pm
by Christine

11/30/07: My submission to Senator Dodd
Status: waiting for response

2,343

Senator Christopher Dodd, D - CT

Fri Nov 30th, 2007 10:08 pm
by Christine

11/15/07: WaMu declined to lower the 26% Visa interest rate
My credit is excellent, BUT ... FICO and internal credit score factors determined that I fit the high risk profile

2,310

WaMu 26% rate due to credit without any derogatory data

Sun Dec 2nd, 2007 06:32 am
by Christine

Open Letter to WaMu: My refusal to pay my $8,000 WaMu (Providian) VISA card due to the 26% interest
Enough is ENOUGH!

4,545

WaMu 26% rate due to credit without any derogatory data

Tue Dec 11th, 2007 06:44 am
by Christine

How to go about contacting legislators

3,671