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ShortBus last won the day on April 12 2009

ShortBus had the most liked content!

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500 posts and hasn't been banned yet....

500 posts and hasn't been banned yet.... (6/6)



  1. Hey all... It's been a while since I've posted or visited here. It certainly seems like I joined more than three years ago. Anyhow... I cleaned up my and my wife's credit from Oct 2007 - Oct 2008 and we bought our first house in Oct 2008. My FICO is now in the low-to-mid 700's and I'm just trying to tidy up loose ends. I have one more derog to get rid of: a $200-ish collection account from Asset from an old AT&T account back in 2007. I don't remember what it's for. In fact, I don't even recall having service with AT&T during that timeframe and I think I would have known better than to let something go to collections by that time. But it's certainly possible that it's mine. How should I get rid of it? It only exists on EX and just came back as verified. It would be *really* nice to get this final monkey off my back, but my credit repair kung fu skills are a bit rusty.
  2. I've been gone a while, but decided to drop back in today. What's with the ads for "Free Credit Consultation" from Lexington Law? Seriously? They are the absolute bane of the self-empowered DIY credit repair spirit of this board. Everyone here knows (or should know) that all that Lexington does is just blindly fires off poorly written disputes to the CRAs and charge customers hundreds of dollars in return. This is a pretty shameful way to make a buck, Kristy. And it seriously undermines your creditability.
  3. Most debts are linked to your CR via your SSN. Public records are linked via the address at which you resided when the legal paperwork was filed. Dispute that address off your CR. Once that's gone, then dispute the judgment. I've personally had it work twice (same judgment with two CRAs).
  4. FICO '08 does not take AU TL's into account when factoring your FICO score. Period. And before you pop off again on someone who has contributed about 40x more to this board than yourself, try to remember that we're all volunteers here.
  5. It no longer affects your credit score, however.
  6. Without valid plates? Good luck with that.
  7. I doubt that either the law or the lender would agree with you. Is it theft though? I dunno. The answer is likely to be specific to your state law. But I would venture to guess that you're SOL. You didn't have title to the bike and therefore you didn't have legal ownership of it. It's possible, as you imply, that these guys weren't really repomen. If that's the case though, it's something that your finance company would have to look into since they're the actual owners of the bike. I'm not really sure what the problem is though? You couldn't sell or register the bike without a title so it was pretty much useless to you anyhow.
  8. I agree with Kristy. Though, from the point of the consumer, that's a bug not a feature. Paypal isn't regulated like a bank and may not have a formal process for complying with a court order. However, they already freeze funds at the drop of the hat without one. I wouldn't recommend that you tempt them. In fact, I recommend that you don't use Paypal at all. I'm in the e-commerce development biz and refuse to even consider Paypal. I'd recommend that you look into Google checkout, or even better, get your own merchant account. If neither of those are viable and you absolutely have to use Paypal, don't keep a balance in the account. Transfer out your money as soon as you get paid.
  9. This is why this place pisses me off sometimes. The OP passed a bad check and now has the balls to contemplate calling police on the merchant? Honey, whatever you bought with that check you effectively stole. Plus the merchant got dinged again by their bank for presenting a dishonored check. Pay the $20. Not because it'll help your credit or because it'll alleviate your overblown fear of identity theft, but because it's the right thing to do. I generally reserve judgment on most posts, but the sometimes people overplay the role of the victim so much it's disgusting.
  10. Ugh.... this is when I like to remind people not to seek specific legal advice on the Internet. If you're going to play a lawyer on the Internet and attempt to write something that sounds authoritative, at least have some basic grasp of the terms that you're using. You obviously have no idea as to the legal definitions of libel, slander, blackmail, "unlawful invasion of privacy" (whatever that is), or the RICO Act. Pretending that you do know what you're talking about when it comes to legal advice can be dangerous. If people act on your half-baked advice, they can really screw themselves. Is that really worth having on your conscious?
  11. Wouldn't paying what you owe take care of this problem?
  12. I started to clean up my credit with the intention of buying a house. I purchased one Oct 2008. It was a foreclosure (previous homeowner was out of the picture for a while--it sat vacant for about seven months). Immediately prior, we had tried to buy a short sale. It was an absolute mess. I don't know if things have changed, but a year ago by the time a homeowner got to the point of trying a short sale, they'd already taken out a second mortgage. So now we had two banks that have to approve the short sale. Plus the homeowner. Add into the mix: the homeowner's attorney and the listing agent. The banks were taking forever to negotiate with each other and homeowner finally just said "f it" and did a deed-in-lieu of instead. So after months of unbelievable stress, we were left with nothing. Moral of the story: Short sales can be extremely complex and frustrating. I'd recommend that you stay away from them if you want to close by a specific date. Look at REO listings instead.
  13. Class actions are a racket. Assuming that your DV was timely and assuming that you have kept accurate records, opt out of the class and sue them yourself. They'll settle with you prior to the hearing for $1000 (max. statutory damages under the FDCPA). If you join the class the best that you'll be able to hope for is a $26.12 gift card to Taco Bell or something equally ridiculous while the law firm leading the charge walks off with the real spoils.
  14. Ugh... why doesn't he just close the account? Doing so would keep his interest rate at the previously set amount. As far as suing for ruining his credit... typical lawyer BS. If he doesn't pay as agreed, he'd be delinquent and BoA would be reporting accurate information. As mentioned in the article, the guy is strapped for cash. He's just trying to get out paying his debt by flashing his lawyer business card and throwing a hissy fit.
  15. "80 percent of success is just showing up" — Woody Allen
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