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Posts by Christine
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45 postsShowing posts 1-40 of 45

Fair Isaac FICTITIOUS lates on Equifax reports > 3/19/13 myFICO STILL creates fictitious late payments (1 reply - 18110 views)

My client's Equifax FICO score was only 619 on March 9, 2013 and here is the myFICO score factor proving that these entirely fictitious lates ...   Tue Jun 4th, 2013 05:28 am

Fair Isaac FICTITIOUS lates on Equifax reports > 3/19/13 myFICO STILL creates fictitious late payments (1 reply - 18110 views)

Here is the reporting from the 3/9/13 myFICO Equifax: ...   Tue Jun 4th, 2013 05:27 am

Archived topics > How to go about contacting legislators (1 reply - 12493 views)

Sadly, I never got any response other than auto responses from any legislator. One could suspect that I am too obnoxious, too much in their face.  ...   Tue Dec 11th, 2007 07:02 am

WaMu 26% rate due to credit without any derogatory data > Open Letter to WaMu: My refusal to pay my $8,000 WaMu (Providian) VISA card due to the 26% interest (0 replies - 20231 views)

Open Letter to WaMu: My refusal to pay my $8,000 WaMu (Providian) VISA card due to the 26% interest rate In May 2007, Washington Mutual ...   Tue Dec 11th, 2007 06:44 am

WaMu 26% rate due to credit without any derogatory data > 11/15/07: WaMu declined to lower the 26% Visa interest rate (0 replies - 8228 views)

Originally I opened this $8,000 Visa in 2006 with Providian after it sent me a pre-approval for a 1.99% balance transfer rate.   Of course I knew ...   Sun Dec 2nd, 2007 06:32 am

Senator Christopher Dodd, D - CT > 11/30/07: My submission to Senator Dodd (0 replies - 9681 views)

My submission at http://dodd.senate.gov/index.php?q=node/3130: While I do NOT reside in CT, I hope that Senator Dodd will take the time to review my posting at http://creditsuit.org/credit.php/blog/comments/senator_dodd_announced_bankruptcy_reform_ignores_credit_collections/. I understand ...   Fri Nov 30th, 2007 10:08 pm

WaMu 26% rate due to credit without any derogatory data > The 11/20/07 Chase press release announcing the change in account rating (0 replies - 4657 views)

The press release is posted at Chase finally STOPS increasing interest rates due to low credit scores. It's about time. Unfortunately, many other credit card issuers continue ...   Tue Nov 20th, 2007 08:28 pm

FAQ > Why I started this new forum (1 reply - 9469 views)

FINALLY Capital One is reporting the credit limits.   I am still awaiting the decision of the 9th circuit court of appeals regarding this issue.  And, I ...   Sun Oct 14th, 2007 06:00 am

Collectors need to DELETE disputed collections prior to validation > 7/5/06 Focus Receivables collection call, extorting $250 with threats of credit reporting (0 replies - 14438 views)

The transcript of the 7/5/06 collection call:  Baker: Christine …. Hello? Hurd: Yes, Christina please. Baker: This is Christine. Hurd: I was calling about your DirecTV ...   Sun Oct 14th, 2007 05:14 am

Contacting Representatives > Luis Gutierrez, D (1 reply - 11557 views)

Received Auto response: Subject: Thanks for completing our feedback form To: christine@bayhouse.com Dear Constituent, Thank you for sending me your e-mail.  I appreciate your correspondence via the internet.   I ...   Thu Jul 5th, 2007 07:37 am

Contacting Representatives > Nydia M. Velázquez, D (0 replies - 5350 views)

http://www.house.gov/velazquez/ Submitted though web form 7/4/07: Dear Congresswoman Velazquez: Your contact page at your site states that you only respond to inquiries from residents in your Congressional ...   Thu Jul 5th, 2007 07:30 am

Contacting Representatives > Luis Gutierrez, D (1 reply - 11557 views)

http://luisgutierrez.house.gov/ Submitted at web form on 7/4/07: Dear Representative: Your contact page at your site states that you only respond to inquiries from residents in your Congressional ...   Thu Jul 5th, 2007 07:15 am

Contacting Representatives > Carolyn B. Maloney, D (0 replies - 5149 views)

http://maloney.house.gov/ Horrible press release applauding the corrupt regulators: http://maloney.house.gov/index.php?option=content&task=view&id=1389&Itemid=61 Submitted through web form on 7/4/07, she really doesn't want to hear from people outside her district, had to ...   Thu Jul 5th, 2007 06:49 am

Contacting Representatives > Rep. Maxine Waters, D (0 replies - 5149 views)

website http://www.house.gov/waters/contact/ Submitted to Chief of Staff Mikael Moore on 7/4/07: Dear Mr. Moore, My Open Letter to the members of the House Committee on Financial Services is posted at ...   Thu Jul 5th, 2007 06:14 am

INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports > 2/3/05 bizarre myFICO reporting of collections (0 replies - 10239 views)

The screenshot and my original posting: The Date of Last Activity, the date used to age collections off the reports, should be reported and it is ...   Sun Jul 1st, 2007 08:03 pm

Fair Isaac rates UNDATED late payments > Apparently an UNDATED late payment rates as if an account was late 1 year ago (1 reply - 12605 views)

Please note that Fair Isaac states: "Keep this in mind: If you ask the credit bureau to report a date for this missed payment, it may ...   Tue Jun 26th, 2007 10:48 pm

Fair Isaac rates UNDATED late payments > Apparently an UNDATED late payment rates as if an account was late 1 year ago (1 reply - 12605 views)

From a client's myFICO Equifax report:   ...   Tue Jun 26th, 2007 10:39 pm

Contacting Representatives > Rep. Paul E. Kanjorski, D (0 replies - 5165 views)

Website My 6/26/07 email form submission: Dear Representative: Your contact page at your site states that you only respond to inquiries from residents in your Congressional District.  However, ...   Tue Jun 26th, 2007 08:45 pm

Contacting Representatives > Getting started (0 replies - 5197 views)

I started by going to the FCRA hearing page and called the House Financial Services Committee, Democratic Staff at (202) 225-4247.  I asked how I ...   Tue Jun 26th, 2007 08:37 pm

6/21/07 Open Letter to the Members of the House Financial Services Committee > My 6/21/07 Open Letter to the members of the House Finance Committee (0 replies - 29732 views)

My Open Letter These are by no means ALL problems with credit reporting and scoring, but it's a start. As time permits, I will document the issues ...   Tue Jun 26th, 2007 02:15 am

The archived webcast and the transcripts > 6/19/07 testimony of the National Credit Reporting Association, Inc. (0 replies - 10279 views)

The NCRA is a non-profit trade association that represents the Consumer Reporting Industry and specifically “Mortgage Credit Reporting Agencies” 6/19/07 testimony They claim that consumers can ...   Fri Jun 22nd, 2007 11:11 pm

The archived webcast and the transcripts > 6/19/07 The House Committe on Financial Services Hearing (0 replies - 5549 views)

Consumers’ Ability to Dispute and Change Inaccurate Information 6/19/07 webcast of the entire hearing I am currently looking for software to be able to use excerpts from the ...   Fri Jun 22nd, 2007 10:54 pm

The regulators REFUSE to enforce consumer protection laws > 3/18/05: My California DRE complaint about the Lower My Bills false advertising (0 replies - 20317 views)

My 3/18/05 DRE complaint about the LowerMyBills.com advertising Enforcement Department of Real Estate 320 W. 4th St., Ste. 350 Los Angeles, CA 90013-1105 March 18, 2005 Re: Unlawful advertising by LowerMyBills ...   Fri Jun 15th, 2007 01:37 am

Federal law to allow recording of sales and collections calls > The only way to PROVE the lies, abuse and harassment is to RECORD the phone calls (0 replies - 12309 views)

Debt collection and mortgage lending are federally regulated.   However, the regulators do NOTHING to enforce these laws and when a consumer sues, the defendants will ...   Mon Jun 11th, 2007 05:15 pm

Failure to disclose the often INCORRECT inquiry classification > Mortgage inquiries NOT identified as such (1 reply - 13322 views)

We don't know why Countrywide ran the credit TWICE after ONE application and why it shows up as Countrywide and Landsafe.  Landsafe is a mortgage ...   Sat May 19th, 2007 08:41 pm

Failure to disclose the often INCORRECT inquiry classification > Mortgage inquiries NOT identified as such (1 reply - 13322 views)

The detailed description of inquiry deduplication. The credit bureau and myFICO credit reports do NOT disclose the type of inquiry.  Obviously, consumers can not dispute what ...   Sat May 19th, 2007 08:37 pm

Fair Isaac FICTITIOUS lates on Equifax reports > 5/4/07 - FICO scores add FICTITOUS Equifax late payments long after charge-off (1 reply - 37524 views)

Also, please note that Fair Isaac STILL mislabels the Date of Last Activity as Date of Last Payment and the Date Last Reported is mislabeled ...   Fri May 11th, 2007 06:49 pm

Fair Isaac FICTITIOUS lates on Equifax reports > 5/4/07 - FICO scores add FICTITOUS Equifax late payments long after charge-off (1 reply - 37524 views)

Here you can see how the FICO scoring software misinterprets the creditor reporting of the account as charged off as NEW 90+ day late payments. ...   Fri May 11th, 2007 05:57 pm

INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports > Screenshots: MOST data on the Equifax direct report is NOT reported on myFICO reports (2 replies - 12959 views)

I was actually comparing the data because Fair Isaac AGAIN totally screwed up when it changed to a completely new and confusing report format in ...   Sat May 5th, 2007 04:06 am

INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports > Screenshots: MOST data on the Equifax direct report is NOT reported on myFICO reports (2 replies - 12959 views)

The 5/3/07 Equifax direct report:   ...   Sat May 5th, 2007 03:52 am

INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports > Screenshots: MOST data on the Equifax direct report is NOT reported on myFICO reports (2 replies - 12959 views)

The 4/26/07 myFICO Equifax report: ...   Sat May 5th, 2007 03:51 am

Bizarre FICO Scores > 1/22/07 TU FICO score -- 663 -- 3 collections and one 30 day late payment (0 replies - 13808 views)

The FICO Score Factors: 1/22/07 Trans Union FICO Score  Top Positive Factors The time since your most recent past due payment or derogatory indicator is old or unknown ...   Tue Mar 6th, 2007 05:36 am

Collectors need to NOTIFY consumers of collections > The suggested amendment of the FDCPA to notify consumers PRIOR to credit reporting or credit checks (0 replies - 6133 views)

The CURRENT law: http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm § 809. Validation of debts (a) Within five days after the initial communication with a consumer in connection with the collection ...   Fri Feb 23rd, 2007 06:57 pm

INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports > Fair Isaac credit reports with the FICO scores (myFICO.com) (3 replies - 9228 views)

I just realized that this forum software is not very functional, I can't even move postings.  So I reposted your question regarding contact info at ...   Wed Feb 14th, 2007 11:12 pm

Archived topics > How to go about contacting legislators (1 reply - 12493 views)

Repost of Bearwolf's posting: Do you have a list of all Government Official's both email and regular mail to start hammering away at getting some answers ...   Wed Feb 14th, 2007 10:49 pm

Capital One lowers the FICO scores of MILLIONS > The CDIA (eOscar) credit reporting manual REQUIRES the reporting of the credit limits (0 replies - 17103 views)

ABOUT CDIA The Consumer Data Industry Association. is an international trade association, founded in 1906, that represents consumer information companies that provide fraud prevention and risk ...   Fri Feb 2nd, 2007 03:11 am

Capital One lowers the FICO scores of MILLIONS > In January 2001 I found out that missing credit limits can lower credit scores (0 replies - 5572 views)

A client asked me today how I know Barry Paperno at Fair Isaac and I realized that few people have any idea how long I've ...   Sat Jan 27th, 2007 12:26 am

WaMu 26% rate due to credit without any derogatory data > Chase illegal credit card rate increases documented at Fight Back and in press release (0 replies - 6405 views)

Chase illegal credit card rate increases are documented at Fight Back!!! My press release Pett v. Chase This release was accessed at my main distributor 149,419 times as of ...   Thu Jan 25th, 2007 10:50 pm

WaMu 26% rate due to credit without any derogatory data > Background info on universal default clauses, insurance and banking practices (0 replies - 6573 views)

I recently considered applying for the Home Depot Project credit line issued by Citi Bank.   It clearly states on the application that they may increase ...   Fri Jan 19th, 2007 08:05 pm

Capital One lowers the FICO scores of MILLIONS > Why it is so important to get a ruling in favor of COMPLETE reporting (0 replies - 6385 views)

I would accept an amendment to the FCRA to specifically require the reporting of credit LIMITS only if all else fails, as it will cause ...   Thu Dec 7th, 2006 02:42 am


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