win270

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About win270

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  1. I can and have dealt with the banks in court,However the CRA's are a different animal been waiting 2 years now for my cases against 4 CRA's to be heard the CRA's are the real villains in this battle they are way out of control and are costing US dearly. In my case false reporting have forced me to close all CC's due to rate jacking and have prevented me from refinancing my home and buying a new car. The mistakes are so easy to see and the ones who started the false reporting have even admitted in court they are mistakes. Even had there default judgment vacated ,they paid my attorney fees as w
  2. Been reading and posting in a discussion on MSN the story is 7 ways to wreck your credit http://articles.moneycentral.msn.com/Banking/YourCreditRating/7-ways-to-wreck-your-credit.aspx?page=2&ucpg=9#uc2Lst Hope I did not violate any rules here but the debate is very interesting.
  3. Hate to High jack but is BK worse than Paid for less or charge off? I mean doesn't BK last for 7 years just as paid for less or charge off?I have been told it is easier to rebuild after BK than CO and PFL.If I would have Bk 6 years ago I would be in much better shape than paying for less I mean now that I have finished paying 3 years ago the bad marks will stay from the time of my last payment because they re aged the debt when I started making payment,Thats another 4 years of these TL's. "Maybe Capital One will just disappear?" They never go away in my case they waited 1 month before the 5 ye
  4. What is complete and accurate I have been reading for over a year and I still do not know I ask the CRA's they say they follow the CDIA but they will not delete for a DF failing this standard. There is no law I can find that shows What is complete and accurate. Anyone know what is complete and accurate ? :confused:
  5. I still don't know what complete and accurate is. I have been told and have read so many different opinions on this. I have called the CRA's and they do not seem to know or care. I know the CDIA has set a standard but the standard is not law and none of the CRA's will delete based on this standard not being met. So in my opinion until we know what is is We must dispute every TL based on we do not know what is complete and accurate.
  6. Here is something that might help. http://www.creditinfocenter.com/wordpress/2008/08/01/statutue-of-limitations-on-a-debt-it-may-not-depend-on-your-state/ Statutue of Limitations On A Debt - It May Not Depend on Your State August 1st, 2008 · 2 Comments by Kristy In general, the statute of limitations (SOL) on a debt starts 180 days after a credit card company charges off the debt. Each state has a different statute of limitations. To see what the (SOL) is in your state, click here. Recently, however the question of which state to use as the time limit came into question in a Florida case (Fl
  7. No matter who does it. Collections/Credit Repair is a legal process and needs to be handled as such. Read the sticky it says keep good records this means you keep good records no matter who does the disputes and DV's. If a summons is issued it will be to you not the company you hire. Its up to you to verify a defense IE>SOL or ID theft the company you hire will not care about this even though there attorneys they will make no mention representing you in court if and when this happens.
  8. The FTC has this on there website it says -You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). I have asked the big 3 for all info they have on me and they just send a credit report they list estimated dates things will fall off not the DOFD or the DOFD was reported DOLA Date Closed ETC. The FCRA says all info,So why cant I get it. I also asked for my disclosure to be as reported to them so I can verify there up to industry standards for reporting they say they don't have to. They also say that whats on the CR is all th
  9. If crap1 is still reporting then should be $0 balance if sold, should also report as sold transfered purchased by another lender. If there is a balance then they may not have sold it .I have been told by CA's that they own debts when they don't.If not sold and not out of SOL Crap1 uses trakamerica there models determine the best time to sue . I think in my case it was because SOL was about up and a credit score rise. Also ASSET DOFMD should be the same as Crap1.
  10. Call crap 1 and tell them you think this account is fraud see what they say. If they say its yours and you know for a fact it is not then go to the FTC. the link below has all the info you need to handle ID theft. http://www.ftc.gov/bcp/menus/consumer/data/idt.shtm
  11. http://articles.moneycentral.msn.com/Banking/YourCreditRating/IsThereAStatuteOfLimitationsOnDebt.aspx?GT1=33001
  12. 16 out of 18 for me the 2 that were not deleted was for 2 good standing accounts I opened in january of this year. My FICO score jumped 6 points not as much as hoped but I will take it Thanks for the info
  13. I use this as a guide. http://www.creditinfocenter.com/repair/DisputingWithOriginalCreditor.shtml http://www.creditinfocenter.com/forms/sampleletter17.shtml I include this from FTC but dont have to. http://www.ftc.gov/bcp/conline/pubs/buspubs/infopro.shtm
  14. Im confused The TL is Re-Reported not Re-inserted so the law does not apply? Whats the Difference?