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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 well. So why no public record delete? Lexus does not care and will not help,we have hearing on the Lexus crap in 3 weeks however my attorney says they will most likely not be held liable due to the courts not showing the judgment as vacated in the public record however after dealing with the clerk and still no corrections the case will allow for the judge to demand the clerk to correct the record my attorney is doing all this for free.I have been to the court house so many times I have lost count As I said my attorney has been at it for 2 years now. The FCRA is a joke! It says fair however will allow a CA and JDB to destroy your credit with out reporting all of the good years of on time payments IE> Cable bill - How is it fair to report bad with out the good ? In this case it was a collection for a cable box I have the receipt to prove it was returned on time.The cable company agrees it had been returned and has even sent letters to me/My attorney and the CRA's saying it was a mistake however they sold the debt that was not a debt to a JDB and who hired a CA that JDB sold it to another JDB who hired there own CA So now all 4 are reporting. I have sued the JDB's and there CA's and my attorney won all 4 cases netting me $2,500.00 in violations + his fee's yet the CRA's still allow them to report as open collection accounts every month even though we have sent the CRA's copies of all letters and even copies court records Will more than likely end up back in court suing all of them again for more violations. The compensation is not worth it! Hopefully can recoup my losses from the CRA's for all damages that cant be claimed in FDCPA.Its crazy!! who has time for all this??? Will say it has taught me to live with in my means. I will never use a bank again! Uh is a Amscott A bank? I do use them now for check cashing and money orders. Why no CRA's Reforms? Why do they get a free pass in all of this? IMO> They were just as much at fault for this economic melt down as any bank!
  2. Been reading and posting in a discussion on MSN the story is 7 ways to wreck your credit 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 year SOL tolled then sued.They charge every penny they legally can.
  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. 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 (Florida SOL is 5 years). In Capital One Bank USA, NA v Gregorich, suit was brought after 3.5 years from the chargeoff date. The outcome was that the court ruled that the statute of limitations is governed by the Cardmember Agreement between the consumer and the credit card company, and not just the state statute of where the case is being heard. In the Gregorich case, Capital One began a lawsuit about 3 1/2 years after the date of default. The Customer Agreement (Capital One’s term for Cardmember Agreement) specifically stated that it would be governed by Federal and Virginia law. The relevant statute of limitations in Virginia was deemed to be 3 years because the Agreement did not qualify as a “written contract” governed by the 5 year Virginia Statute of Limitations. End result? Capital One loses. Your lesson? Always check the Cardmember Agreement to determine the appropriate statute of limitations.
  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 the info they have on me I know this is a lie. They keep copies of disputes I want all of the disputes results etc. They keep all info from your past and sell it in different products.I want to see what that is. Anyone ever get all info from them with out court? A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580. C You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. C You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: C a person has taken adverse action against you because of information in your credit report; C you are the victim of identify theft and place a fraud alert in your file; C your file contains inaccurate information as a result of fraud; C you are on public assistance; C you are unemployed but expect to apply for employment within 60 days. In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See for additional information
  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.
  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. I include this from FTC but dont have to.
  14. Im confused The TL is Re-Reported not Re-inserted so the law does not apply? Whats the Difference?