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Topics Started by Christine
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37 topicsShowing topics 1-37 of 37

Fair Isaac FICTITIOUS lates on Equifax reports > 3/19/13 myFICO STILL creates fictitious late payments (1 reply - 18113 views)

Dell account charged off in 2007 rated as LATE in Jan. 2013 - Last Post: Tue Jun 4th, 2013 05:28 am

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

- Last Post: Tue Dec 11th, 2007 07:02 am

FAQ > How to go about contacting legislators (1 reply - 5527 views)

- Last Post: Tue Dec 11th, 2007 07:02 am

Archived topics > How to go about contacting legislators (1 reply - 5529 views)

- Last Post: 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 - 20232 views)

Enough is ENOUGH! - Last Post: 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)

My credit is excellent, BUT ... FICO and internal credit score factors determined that I fit the high risk profile - Last Post: Sun Dec 2nd, 2007 06:32 am

Senator Christopher Dodd, D - CT > 11/30/07: My submission to Senator Dodd (0 replies - 9683 views)

Status: waiting for response - Last Post: 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)

As of 3/1/08 they will no longer use credit scores - Last Post: Tue Nov 20th, 2007 08:28 pm

FAQ > Why I started this new forum (1 reply - 9471 views)

- Last Post: 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 - 14440 views)

Collector James Hurd ignored the legitimate dispute and continued to collect and threaten - Last Post: Sun Oct 14th, 2007 05:14 am

Contacting Representatives > Luis Gutierrez, D (1 reply - 11559 views)

4th District of Illinois - Last Post: Thu Jul 5th, 2007 07:37 am

Contacting Representatives > Nydia M. Velázquez, D (0 replies - 5351 views)

12th District of New York, since 1992 - Last Post: Thu Jul 5th, 2007 07:30 am

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

14th District of New York since 1993 - Last Post: Thu Jul 5th, 2007 06:49 am

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

35th District of California, serving 9th term - Last Post: 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 - 10241 views)

Reported the balance twice and with different dates - Last Post: 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 - 12606 views)

Why? -- to lower the FICO scores - Last Post: Tue Jun 26th, 2007 10:48 pm

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

11th Congressional District of Pennsylvania, serving 12th term - Last Post: Tue Jun 26th, 2007 08:45 pm

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

- Last Post: 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 - 29734 views)

A summary of SOME of the major problems with credit reporting - Last Post: 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 - 10280 views)

Rapid rescoring and credit bureau charging multiple report fees - Last Post: 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)

The links to the webcast and testimony - Last Post: 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 - 20320 views)

LMB is now Experian owned - Last Post: 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 - 12310 views)

LIES are the #1 reason for the subprime mortgage crisis - Last Post: Mon Jun 11th, 2007 05:15 pm

Failure to disclose the often INCORRECT inquiry classification > Mortgage inquiries NOT identified as such (1 reply - 13323 views)

How could FICO scores deduplicate these inquiries? - Last Post: Sat May 19th, 2007 08:41 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)

FICO scoring software "misinterprets" reporting of account as charged off - Last Post: Fri May 11th, 2007 06:49 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)

- Last Post: Sat May 5th, 2007 04:06 am

Bizarre FICO Scores > 1/22/07 TU FICO score -- 663 -- 3 collections and one 30 day late payment (0 replies - 13809 views)

3/3/07 FICO score -- 648 -- 1 collection and no late payments - Last Post: 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)

§ 809. Validation of debts [15 USC 1692g] - Last Post: 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)

- Last Post: Wed Feb 14th, 2007 11:12 pm

Capital One lowers the FICO scores of MILLIONS > The CDIA (eOscar) credit reporting manual REQUIRES the reporting of the credit limits (0 replies - 17104 views)

The screenshots and the 201 page 2006 manual - Last Post: 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)

6 years of complaints and litigation later, Citi and Target comply, but Capital One refuses - Last Post: 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)

Pett v. Chase - Last Post: 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)

It's been a problem for years, but getting worse all the time - Last Post: 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)

We can't amend the FCRA every time a creditor decides not to report certain data - Last Post: Thu Dec 7th, 2006 02:42 am

Capital One lowers the FICO scores of MILLIONS > Judge Wake's 8/29/06 Order regarding the Capital One refusal to report credit LIMITS (0 replies - 5900 views)

Arizona Federal Court CIV-04-1192 - Last Post: Thu Dec 7th, 2006 02:11 am

Capital One lowers the FICO scores of MILLIONS > Verizon Wireless reports without the DATE OPENED (0 replies - 6480 views)

- Last Post: Thu Dec 7th, 2006 02:04 am

Capital One lowers the FICO scores of MILLIONS > The FCRA requirements for COMPLETE reporting (0 replies - 5849 views)

15 U.S.C. § 1681s-2 - Last Post: Thu Dec 7th, 2006 01:52 am


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