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Credit & Collection Legislation
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TopicRepliesViewsStarted byLast Post Sorted by descending orderForum
Announcement (No New Posts) Getting started
0 4,829Christine Tue Jun 26th, 2007 07:37 pm
by Christine Go to last Post
Contacting Representatives
Important (No New Posts) Background info on universal default clauses, insurance and banking practices
It's been a problem for years, but getting worse all the time
0 6,108Christine Fri Jan 19th, 2007 07:05 pm
by Christine Go to last Post
WaMu 26% rate due to credit without any derogatory data
Important (No New Posts) Judge Wake's 8/29/06 Order regarding the Capital One refusal to report credit LIMITS
Arizona Federal Court CIV-04-1192
0 5,486Christine Thu Dec 7th, 2006 01:11 am
by Christine Go to last Post
Capital One lowers the FICO scores of MILLIONS
Popular (No New Posts) 3/19/13 myFICO STILL creates fictitious late payments
Dell account charged off in 2007 rated as LATE in Jan. 2013
1 17,155Christine Tue Jun 4th, 2013 04:28 am
by Christine Go to last Post
Fair Isaac FICTITIOUS lates on Equifax reports
Popular (No New Posts) How to go about contacting legislators
1 11,789Christine Tue Dec 11th, 2007 06:02 am
by Christine Go to last Post
Archived topics
Moved (No New Posts) Moved: How to go about contacting legislators
1 5,527Christine Tue Dec 11th, 2007 06:02 am
by Christine Go to last Post
FAQ
Moved (No New Posts) Moved: How to go about contacting legislators
1 5,529Christine Tue Dec 11th, 2007 06:02 am
by Christine Go to last Post
Archived topics
Popular (No New Posts) Open Letter to WaMu: My refusal to pay my $8,000 WaMu (Providian) VISA card due to the 26% interest
Enough is ENOUGH!
0 19,462Christine Tue Dec 11th, 2007 05:44 am
by Christine Go to last Post
WaMu 26% rate due to credit without any derogatory data
Popular (No New Posts) 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
0 7,750Christine Sun Dec 2nd, 2007 05:32 am
by Christine Go to last Post
WaMu 26% rate due to credit without any derogatory data
Popular (No New Posts) 11/30/07: My submission to Senator Dodd
Status: waiting for response
0 9,196Christine Fri Nov 30th, 2007 09:08 pm
by Christine Go to last Post
Senator Christopher Dodd, D - CT
Popular (No New Posts) 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
0 4,374Christine Tue Nov 20th, 2007 07:28 pm
by Christine Go to last Post
WaMu 26% rate due to credit without any derogatory data
Popular (No New Posts) Why I started this new forum
1 8,516Christine Sun Oct 14th, 2007 05:00 am
by Christine Go to last Post
FAQ
Popular (No New Posts) 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
0 13,490Christine Sun Oct 14th, 2007 04:14 am
by Christine Go to last Post
Collectors need to DELETE disputed collections prior to validation
Popular (No New Posts) Luis Gutierrez, D
4th District of Illinois
1 10,683Christine Thu Jul 5th, 2007 06:37 am
by Christine Go to last Post
Contacting Representatives
Popular (No New Posts) Nydia M. Velázquez, D
12th District of New York, since 1992
0 5,010Christine Thu Jul 5th, 2007 06:30 am
by Christine Go to last Post
Contacting Representatives
Popular (No New Posts) Carolyn B. Maloney, D
14th District of New York since 1993
0 4,778Christine Thu Jul 5th, 2007 05:49 am
by Christine Go to last Post
Contacting Representatives
Popular (No New Posts) Rep. Maxine Waters, D
35th District of California, serving 9th term
0 4,756Christine Thu Jul 5th, 2007 05:14 am
by Christine Go to last Post
Contacting Representatives
Popular (No New Posts) 2/3/05 bizarre myFICO reporting of collections
Reported the balance twice and with different dates
0 9,761Christine Sun Jul 1st, 2007 07:03 pm
by Christine Go to last Post
INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports
Popular (No New Posts) Apparently an UNDATED late payment rates as if an account was late 1 year ago
Why? -- to lower the FICO scores
1 11,929Christine Tue Jun 26th, 2007 09:48 pm
by Christine Go to last Post
Fair Isaac rates UNDATED late payments
Popular (No New Posts) Rep. Paul E. Kanjorski, D
11th Congressional District of Pennsylvania, serving 12th term
0 4,901Christine Tue Jun 26th, 2007 07:45 pm
by Christine Go to last Post
Contacting Representatives
Popular (No New Posts) 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
0 29,043Christine Tue Jun 26th, 2007 01:15 am
by Christine Go to last Post
6/21/07 Open Letter to the Members of the House Financial Services Committee
Popular (No New Posts) 6/19/07 testimony of the National Credit Reporting Association, Inc.
Rapid rescoring and credit bureau charging multiple report fees
0 9,777Christine Fri Jun 22nd, 2007 10:11 pm
by Christine Go to last Post
The archived webcast and the transcripts
Popular (No New Posts) 6/19/07 The House Committe on Financial Services Hearing
The links to the webcast and testimony
0 5,249Christine Fri Jun 22nd, 2007 09:54 pm
by Christine Go to last Post
The archived webcast and the transcripts
Popular (No New Posts) 3/18/05: My California DRE complaint about the Lower My Bills false advertising
LMB is now Experian owned
0 19,515Christine Fri Jun 15th, 2007 12:37 am
by Christine Go to last Post
The regulators REFUSE to enforce consumer protection laws
Popular (No New Posts) 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
0 11,693Christine Mon Jun 11th, 2007 04:15 pm
by Christine Go to last Post
Federal law to allow recording of sales and collections calls
Popular (No New Posts) Mortgage inquiries NOT identified as such
How could FICO scores deduplicate these inquiries?
1 12,573Christine Sat May 19th, 2007 07:41 pm
by Christine Go to last Post
Failure to disclose the often INCORRECT inquiry classification
Popular (No New Posts) 5/4/07 - FICO scores add FICTITOUS Equifax late payments long after charge-off
FICO scoring software "misinterprets" reporting of account as charged off
1 36,705Christine Fri May 11th, 2007 05:49 pm
by Christine Go to last Post
Fair Isaac FICTITIOUS lates on Equifax reports
Popular (No New Posts) Screenshots: MOST data on the Equifax direct report is NOT reported on myFICO reports
2 12,452Christine Sat May 5th, 2007 03:06 am
by Christine Go to last Post
INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports
Popular (No New Posts) ID Theft
Capital One Sues me for an account that was not MINE
1 19,868mcniff911 Sat Mar 31st, 2007 07:06 pm
by Wandering Oisin Go to last Post
Capital One SUES consumer after notification of ID theft
Popular (No New Posts) 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
0 13,189Christine Tue Mar 6th, 2007 04:36 am
by Christine Go to last Post
Bizarre FICO Scores
Popular (No New Posts) The suggested amendment of the FDCPA to notify consumers PRIOR to credit reporting or credit checks
§ 809. Validation of debts [15 USC 1692g]
0 5,846Christine Fri Feb 23rd, 2007 05:57 pm
by Christine Go to last Post
Collectors need to NOTIFY consumers of collections
Popular (No New Posts) Fair Isaac credit reports with the FICO scores (myFICO.com)
3 8,587Christine Wed Feb 14th, 2007 10:12 pm
by Christine Go to last Post
INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports
Popular (No New Posts) The CDIA (eOscar) credit reporting manual REQUIRES the reporting of the credit limits
The screenshots and the 201 page 2006 manual
0 16,004Christine Fri Feb 2nd, 2007 02:11 am
by Christine Go to last Post
Capital One lowers the FICO scores of MILLIONS
Popular (No New Posts) 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
0 5,271Christine Fri Jan 26th, 2007 11:26 pm
by Christine Go to last Post
Capital One lowers the FICO scores of MILLIONS
Popular (No New Posts) Chase illegal credit card rate increases documented at Fight Back and in press release
Pett v. Chase
0 6,078Christine Thu Jan 25th, 2007 09:50 pm
by Christine Go to last Post
WaMu 26% rate due to credit without any derogatory data
Popular (No New Posts) 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
0 5,958Christine Thu Dec 7th, 2006 01:42 am
by Christine Go to last Post
Capital One lowers the FICO scores of MILLIONS
Popular (No New Posts) Verizon Wireless reports without the DATE OPENED
0 6,133Christine Thu Dec 7th, 2006 01:04 am
by Christine Go to last Post
Capital One lowers the FICO scores of MILLIONS
Popular (No New Posts) The FCRA requirements for COMPLETE reporting
15 U.S.C. § 1681s-2
0 5,453Christine Thu Dec 7th, 2006 12:52 am
by Christine Go to last Post
Capital One lowers the FICO scores of MILLIONS

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