[farmgirlmo]

Hello farmgirl:

While what you say is accurate, credit reports rarely are. Therefore, if a date is incorrect, or if a name is misspelled, or a street name off by a letter, the information is inaccurate, and is subject to challenge.

MOST items in a credit report have inaccuracies in them. Now, if the credit bureaus would report the CORRECT information, maybe the abuse of the system by debtors would be allayed. But, I submit the problem is that the CREDIT BUREAUS don't report accurate information.

excon

True, most reports do have inaccuracies on them. However, 9 times out of 10, the inaccuracies come from the creditors who are reporting. The CRA are good about reporting what the creditors report to them.

However, in the case of the BK that was removed... nothing was said to be inaccurate.

You should only dispute what is inaccurate, not the entire TL in general.

Using the "dispute method" to repair credit is the fastest way to have a FA placed on your report.

[TheCleaner]

That's your opinion the way you think it should be, the fact is that there is nothing in the FCRA or anywhere else criminalizing the dispute of information accurate or not, if you know better please direct me to that piece of legislature.

A FA (Fraud Alert if I got the meaning right) only takes 42 cents in a stamp, the cost of the paper, envelope and about 7 days for the CRA to delete, is something voluntary not a punishment from the big brother.

You should dispute wahtever you want, it is not a crime is your right, then is up to the creditor to show records if they want to be paid.

Every CRA screw up in a different way for instance Equifax, if you have a charge off account 6 years old and the bank report the status as CO the credit score algorithm interpret it as a brand new charge off one month old killing your score, it is intentional from Equifax a way to give the banks and collector the power to unfarlly harm the credit even when it is against the intention of the law.

So don't lecture us, you have no idea of what you are talking about or maybe you have other interests I don't know and I don't need to know. Just be aware that I will be here every time you try to confuse reality with your wishes.

Carl.-

[farmgirlmo]

That's your opinion the way you think it should be, the fact is that there is nothing in the FCRA or anywhere else criminalizing the dispute of information accurate or not, if you know better please direct me to that piece of legislature.

FCRA 611 lays out how the CRA is to handle cases of disputed accuracy, meaning if you dispute something as not being accurate that is how they are to handle it. Why would you dispute something that is accurate and you know to be accurate? If you know it is accurate and you dispute it saying it is inaccurate, that is wrong and could be punishable if the CRA could prove it and took the time. At any rate, it is unethical to dispute something as inaccurate when you know that it is accurate. Does that have to be written out in big, bright, bold letters?

A FA (Fraud Alert if I got the meaning right) only takes 42 cents in a stamp, the cost of the paper, envelope and about 7 days for the CRA to delete, is something voluntary not a punishment from the big brother.

I have seen people dealing with trying to have FA removed for months now. It isn't that simple.

You should dispute wahtever you want, it is not a crime is your right, then is up to the creditor to show records if they want to be paid.

I think you are confusing disputing with the CRA with asking the CA for DV.

Every CRA screw up in a different way for instance Equifax, if you have a charge off account 6 years old and the bank report the status as CO the credit score algorithm interpret it as a brand new charge off one month old killing your score, it is intentional from Equifax a way to give the banks and collector the power to unfarlly harm the credit even when it is against the intention of the law.

Every month the account goes charged off, they are well within their rights to report it as a charge off

So don't lecture us, you have no idea of what you are talking about or maybe you have other interests I don't know and I don't need to know. Just be aware that I will be here everytime you try to confuse reality with your wishes.


Carl.-

I do know what I am talking about, when it comes to legal, ethical credit repair. I can understand why you like the CIC boards so well, anything goes over there. I guess the folks on the FICO forums have no clue. I mean why would they, they only wrote the scoring model

[farmgirlmo]

Just to add, if you dispute a lot with the CRA, the CRA have a habit of labeling you a "frivolous disputer" and when that happens, every time you dispute, you will get a letter back saying your dispute is frivolous.

[Fr_Chuck]

Recommending someone challenge true information is not a correct thing, And is indeed fraud, any future recommendations to do fraud will be deleted...

[progunr]

Recommending someone challege true information is not a correct thing, And is indeed fraud, any future recommendations to do fraud will be deleted...

This guy certainly has his own ideas, and his own way of doing things.

No wonder my job is so secure!

[TheCleaner]

All right I got what is the general tendency here, I'm not for it.

I did what in my opinion is right, you don't like it and you are the owner or at least one of the moderators of this site so I'm out of here.

I'll list your site as collectors friendly in the sites I control.

Have a good day, good bye.


Carl.-

[JudyKayTee]

This guy certainly has his own ideas, and his own way of doing things.

No wonder my job is so secure!

If you read through the other posts it's not the one and only time he's recommended fraud - I believe some of those posts have been pulled.

And he really has a burn against one specific credit card company.

[JudyKayTee]

All right I got what is the general tendency here, I'm not for it.

I did what in my opinion is right, you don,t like it and you are the owner or at least one of the moderators of this site so I'm out of here.

I'll list your site as collectors friendly in the sites I control.

Have a good day, good bye.


Carl.-

Is it possible to get a list of those sites so I never go there by mistake?