|
|
| Topic | Replies | Views | Started by | Last Post  | Forum |
|---|
 |
Getting started
|
0 |
1,079 | Christine |
Tue Jun 26th, 2007 10:37 pm
by Christine  |
Contacting Representatives |
 |
Background info on universal default clauses, insurance and banking practices
It's been a problem for years, but getting worse all the time |
0 |
1,473 | Christine |
Fri Jan 19th, 2007 10:05 pm
by Christine |
WaMu 26% rate due to credit without any derogatory data |
|
Judge Wake's 8/29/06 Order regarding the Capital One refusal to report credit LIMITS
Arizona Federal Court CIV-04-1192 |
0 |
1,084 | Christine |
Thu Dec 7th, 2006 04:11 am
by Christine |
Capital One lowers the FICO scores of MILLIONS |
 |
How to go about contacting legislators
|
1 |
2,244 | Christine |
Tue Dec 11th, 2007 09:02 am
by Christine |
FAQ |
|
Open Letter to WaMu: My refusal to pay my $8,000 WaMu (Providian) VISA card due to the 26% interest
Enough is ENOUGH! |
0 |
1,461 | Christine |
Tue Dec 11th, 2007 08:44 am
by Christine |
WaMu 26% rate due to credit without any derogatory data |
|
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 |
1,019 | Christine |
Sun Dec 2nd, 2007 08:32 am
by Christine |
WaMu 26% rate due to credit without any derogatory data |
|
11/30/07: My submission to Senator Dodd
Status: waiting for response |
0 |
1,009 | Christine |
Sat Dec 1st, 2007 12:08 am
by Christine |
Senator Christopher Dodd, D - CT |
|
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 |
440 | Christine |
Tue Nov 20th, 2007 10:28 pm
by Christine |
WaMu 26% rate due to credit without any derogatory data |
|
Why I started this new forum
|
1 |
1,407 | Christine |
Sun Oct 14th, 2007 08:00 am
by Christine |
FAQ |
|
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 |
1,366 | Christine |
Sun Oct 14th, 2007 07:14 am
by Christine |
Collectors need to DELETE disputed collections prior to validation |
|
Luis Gutierrez, D
4th District of Illinois |
1 |
1,560 | Christine |
Thu Jul 5th, 2007 09:37 am
by Christine |
Contacting Representatives |
|
Nydia M. Velázquez, D
12th District of New York, since 1992 |
0 |
810 | Christine |
Thu Jul 5th, 2007 09:30 am
by Christine |
Contacting Representatives |
|
Carolyn B. Maloney, D
14th District of New York since 1993 |
0 |
833 | Christine |
Thu Jul 5th, 2007 08:49 am
by Christine |
Contacting Representatives |
|
Rep. Maxine Waters, D
35th District of California, serving 9th term |
0 |
805 | Christine |
Thu Jul 5th, 2007 08:14 am
by Christine |
Contacting Representatives |
|
2/3/05 bizarre myFICO reporting of collections
Reported the balance twice and with different dates |
0 |
1,664 | Christine |
Sun Jul 1st, 2007 10:03 pm
by Christine |
INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports |
|
Apparently an UNDATED late payment rates as if an account was late 1 year ago
Why? -- to lower the FICO scores |
1 |
2,203 | Christine |
Wed Jun 27th, 2007 12:48 am
by Christine |
Fair Isaac rates UNDATED late payments |
|
Rep. Paul E. Kanjorski, D
11th Congressional District of Pennsylvania, serving 12th term |
0 |
1,168 | Christine |
Tue Jun 26th, 2007 10:45 pm
by Christine |
Contacting Representatives |
|
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 |
9,506 | Christine |
Tue Jun 26th, 2007 04:15 am
by Christine |
6/21/07 Open Letter to the Members of the House Financial Services Committee |
|
6/19/07 testimony of the National Credit Reporting Association, Inc.
Rapid rescoring and credit bureau charging multiple report fees |
0 |
1,951 | Christine |
Sat Jun 23rd, 2007 01:11 am
by Christine |
The archived webcast and the transcripts |
|
6/19/07 The House Committe on Financial Services Hearing
The links to the webcast and testimony |
0 |
981 | Christine |
Sat Jun 23rd, 2007 12:54 am
by Christine |
The archived webcast and the transcripts |
|
3/18/05: My California DRE complaint about the Lower My Bills false advertising
LMB is now Experian owned |
0 |
3,755 | Christine |
Fri Jun 15th, 2007 03:37 am
by Christine |
The regulators REFUSE to enforce consumer protection laws |
|
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 |
2,248 | Christine |
Mon Jun 11th, 2007 07:15 pm
by Christine |
Federal law to allow recording of sales and collections calls |
|
Horrible forum software WOWbb
Only registered users can view screenshots |
1 |
1,151 | Christine |
Mon May 21st, 2007 05:16 am
by Christine |
FAQ |
|
Mortgage inquiries NOT identified as such
How could FICO scores deduplicate these inquiries? |
1 |
2,931 | Christine |
Sat May 19th, 2007 10:41 pm
by Christine |
Failure to disclose the often INCORRECT inquiry classification |
|
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 |
5,013 | Christine |
Fri May 11th, 2007 08:49 pm
by Christine |
Fair Isaac FICTITIOUS lates on Equifax reports |
|
Screenshots: MOST data on the Equifax direct report is NOT reported on myFICO reports
|
2 |
2,407 | Christine |
Sat May 5th, 2007 06:06 am
by Christine |
INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports |
|
ID Theft
Capital One Sues me for an account that was not MINE |
1 |
3,132 | mcniff911 |
Sat Mar 31st, 2007 10:06 pm
by Wandering Oisin |
Capital One SUES consumer after notification of ID theft |
|
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 |
2,839 | Christine |
Tue Mar 6th, 2007 07:36 am
by Christine |
Bizarre FICO Scores |
|
The suggested amendment of the FDCPA to notify consumers PRIOR to credit reporting or credit checks
§ 809. Validation of debts [15 USC 1692g] |
0 |
1,865 | Christine |
Fri Feb 23rd, 2007 08:57 pm
by Christine |
Collectors need to NOTIFY consumers of collections |
|
Fair Isaac credit reports with the FICO scores (myFICO.com)
|
3 |
2,249 | Christine |
Thu Feb 15th, 2007 01:12 am
by Christine |
INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports |
|
The CDIA (eOscar) credit reporting manual REQUIRES the reporting of the credit limits
The screenshots and the 201 page 2006 manual |
0 |
2,944 | Christine |
Fri Feb 2nd, 2007 05:11 am
by Christine |
Capital One lowers the FICO scores of MILLIONS |
|
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 |
1,224 | Christine |
Sat Jan 27th, 2007 02:26 am
by Christine |
Capital One lowers the FICO scores of MILLIONS |
|
Chase illegal credit card rate increases documented at Fight Back and in press release
Pett v. Chase |
0 |
1,976 | Christine |
Fri Jan 26th, 2007 12:50 am
by Christine |
WaMu 26% rate due to credit without any derogatory data |
|
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 |
1,503 | Christine |
Thu Dec 7th, 2006 04:42 am
by Christine |
Capital One lowers the FICO scores of MILLIONS |
|
Verizon Wireless reports without the DATE OPENED
|
0 |
1,549 | Christine |
Thu Dec 7th, 2006 04:04 am
by Christine |
Capital One lowers the FICO scores of MILLIONS |
|
The FCRA requirements for COMPLETE reporting
15 U.S.C. § 1681s-2 |
0 |
1,243 | Christine |
Thu Dec 7th, 2006 03:52 am
by Christine |
Capital One lowers the FICO scores of MILLIONS |
Current time is 10:56 pm |
XML
|
|