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prettykitty

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Everything posted by prettykitty

  1. The info that I listed above was always public record, but I think technology has created aggregation and accessibility of that information to a problematic level. But the genie is out of the bottle, so I think we'll just have to get used to it. ..."technology has created aggregation and accessibility of that information to a problematic level."... WELL SAID! I'm aggressively researching this trying to get the CA civil code that allows this, I have to figure out if it's ANY WAY possible to have this information shielded from the Internet a minimum.
  2. I'm researching what exactly is "public record", the "internet and public record", and when/how/where can we opt out. I actually did a first/last name search on google & my friends home address, occupants, etc. popped up. I guess privacy is just a myth.
  3. Blockshopper(dot)com will not remove you from their site at your request, even if you are asking for security reasons. They will ask you to send MORE personal data like court records etc. They are stating it's public record. My friend who is struggling to be removed from this site was a recent victim of a violent crime. Her house was never placed on sell so we are baffled why this website has it listed, with a large majority of her neighbors as well. Do they have a legal right to post your name and address on the internet for anyone to see? Blockshopper lists online for free & anyone to see Your Name Spouses Name Full Address Cost of your house Year House was purchased 3d Map with a PICTURE of your house & complete block
  4. Ironically, GC Svc's og'lly had the acct & I dv'd them they never responded. Now, I sent 2 dv ltrs to Pentagroup complete w/ green backs & they still updated/validated with 3big! VIOLATION!!! smh... I'm sending MOV to 3big with copies of green backs & ltrs I sent to CA's. Please let me know ur outcome.
  5. Pentagroup never validated with me but they verified with the CRA. almost all my negs were gone & now these idiots. rolling up my sleeves it's time for a fight.
  6. thanks! they haven't updated my report, just reassignments...next month is WAR month for all my dispute letters...
  7. OC-Sprint 4/07 NCO reported this neg to 3 big 11/07 GC services sent dunning letter - I immediately sent DV 5/08 Pentagroup sent 2 dunning letters, that look identical at first sight, but they have two different little codes at the bottom of the letter - I'm responding to both today with the same letter printing it twice How many more times are they going to assign this debt before just validating? btw: beware of Psychology Today i have no idea about this magazine and how i got on their subscription, but they are attempting to collect from me. I think it's a subscription scam they are running - send you the mag without you signing up and then attempt collections. NUTS, oddles and noodles!
  8. 4/08 Pentagroup - For sprint shows same account No. as the GC services dunning letter from 11/07, yet these asshats have not validated the debt. The irony is the CA that put this neg on my credit rpt is NCO. 5/08 Magazine subscription - threatening to further collections. I never signed up for this Magazine. I think their crazy! sending them a DV today this really sucks, who wants to pay the $5 CMRR just to tell these magazine cons to go to hedouble hockey sticks.
  9. you might want to post this in the BK forum to get more targeted help.
  10. 1. Read the stickies 2. Dive's Primer posted by Amerkaner http://debt-consolidation-credit-repair-service.com/forums/showthread.php?t=276514 3. Mad Monkey's Primer where do I start for Newbies http://debt-consolidation-credit-repair-service.com/forums/showthread.php?t=277579 4. Request all 3 credit reports
  11. Steve S. SSN XXX-XX-XXXX Address: 1 E. Any Street, Anytown, USA (Current address for last 5 years) DOB: 1/1/00 To Whom it May Concern: I've just reviewed my credit report and have noticed there are several inaccurate items on my report: Chase VISA Acct: xxxxx-xxxxx-xxxx-xxx: This account is listed as being 30 days late. I have never been late on this account. In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed: Diner's Club Acct: xxxxx-xxxxx-xxxx-xxx: GE Consumer Card Acct: xxxxx-xxxxx-xxxx-xxx: Macy's Acct: xxxxx-xxxxx-xxxx-xxx: I have enclosed a copy of my driver's license as proof of identity. Sincerely, Steve S.
  12. are you sure of DOLA/DOFMD? send letter saying: please immediately remove this obsolete account- send in 2 - 4 weeks. if you feel comfortable send FCRA code on 7 1/2 reporting period. found this ltr online asking for DOLA: KMK address Dumb CRA address Date Re:File # To Whom It May Concern: This is a formal request for information contained in my credit file. Per the FRCA, � 609. Disclosures to consumers [15 U.S.C. � 1681g], I am entitled to all information contained in my credit file. The FTC�s opinion is that a consumer should also have access to any archives a CRA may keep; FTC Staff Opinion Letter Cohan (08-01-00). Please furnish me with all information you have under my name and/or Social Security Number. I am particularly interested in the date of first delinquency, as reported by the furnisher of information, for the following accounts: OC Acct. # CA Acct. # I respectfully request this information be furnished within 15 days upon receipt of this notice. Your failure to comply with the law set forth by the FCRA may result in the involvement of my legal counsel. Best regards, KMK Certified Mail Cc: FTC
  13. it's great that a service like Lex law exists, it definitely serves a need. DO YOU NEED IT? NO. you have this site which stretches far beyond any impersonal letter spamming of the 3big, that lex law will charge you exuberant prices to do. you need to control your credit repair journey for future needs. save your money DIY!
  14. did you include in your letter to the ftc that you followed all the procedures to get the jdb to comply? did you send validation letters to the jdb and try bbb before complaining to the ftc?
  15. 2/16/08 Myfico Transunion score 575 it was 495 Checksys: I am going to wait until 2009 to get a checking acct--> i will be removed from chexsys by then. My savings acct will do for a year. Pos T.L.'s: I want to buy a cheap $8000 car hope that will help build pos t.l.'s. future dated buying a home with the high possibility of me not getting married, so buying a vehicle will not hurt my income to debt ratio --> no husband no house Reapply for Orchard was denied and hit with hard inq. i'm like for dummies with building pos t.l.'s NEED another pos t.l. that reports to all 3, easy to obtain, & i qualify for??? CA's: received Dunning from Afni my most valued creditor for a discounted $48.88 debt that i have no clue about WOW what a deal. --> sending DV today the name on the dunning has an incorrect last name go figure! PFD: Gas co has sent me a statement with an $145 bucks due from 2005 WOW i need to do a California style PFD for them hope they sign, I would truly hate to not pay them. Need gas everywhere i go
  16. DOFMD (Date of First Major Delinquency) is the date you initially went delinquent and then never again brought it current. the OC should have this date if you don't remember. i've read on here that some ppl had success by calling the CRA & asking for the date (never tried it personally), but the OC is supposed to provide that date to the CRA. that date is important in determining when the rptg period will end. as a rough guesstimate does your TU & EX (status line) tell you when the baddie will fall off? i had an baddie on all 3 rpts that i disputed with the CRA's as obsolete please delete, & it was removed from all 3 EX- status details: This acct is scheduled to continue on record until Oct 2007 EQ- Date of Last Activity as 1/2001 TU- Estimated date that this item will be removed 12/2007
  17. i am politically clueless. i do want someone who will benefit my credit repair process directly, it's whats effecting my livelihood the most. i don't have to spill here on why repairing & building my credit is so important. i'm not an immigrant, and i have health insurance. what i need is good credit for living in a safe environment, the transportation for employment, clean report for higher paying employment wages, & a higher degree in which i need a student loan to get, but i'm afraid of the student loan aka no consumer protection loan. who will be the better candidate for the consumer? what FCRA tweaks will they do to benefit the consumer? Hilliary proposed a few years ago to make changes to the HEA Act, will she focus on that as pres? will any of the other candidates pass any bills or make any changes that will benefit me (us) directly???
  18. So I sent a dispute letter along with a copy of the letter to all 3 cb's. TU, the first to respond said they can't use the letter sent to verify and later a letter came and it stays. this means you sent CMRR snail mail or email? I need those personal addresses for the big 3. i guess this means you haven't sent snail mail? Equifax Corporation P.O. Box 740256 Atlanta, GA 30348 Experian NCAC P.O. Box 9556 Allen, TX 75013 Transunion Consumer Relations P.O. Box 2000 Chester, PA 19022-2000 Or ... should I just sue the crap out of them. you need to build up violations on them to prove willful non compliance or your lawsuit will be considered frivolous & a pure waste of your valuable time. imho disputing by email & phone is a bad idea. email tacks on 15 extra days to their response period. good luck!
  19. you will probably find a fountain of info. on this forum. you might want to copy & paste this q over in the bk forum to get more targeted info. good luck!
  20. i need that unpublished date on several of my t.l.'s. i found this ltr on another forum, check it out & tell me if you think it will work. KMK address Dumb CRA address Date Re:File # To Whom It May Concern: This is a formal request for information contained in my credit file. Per the FRCA, � 609. Disclosures to consumers [15 U.S.C. � 1681g], I am entitled to all information contained in my credit file. The FTC�s opinion is that a consumer should also have access to any archives a CRA may keep; FTC Staff Opinion Letter Cohan (08-01-00). Please furnish me with all information you have under my name and/or Social Security Number. I am particularly interested in the date of first delinquency, as reported by the furnisher of information, for the following accounts: OC Acct. # CA Acct. # I respectfully request this information be furnished within 15 days upon receipt of this notice. Your failure to comply with the law set forth by the FCRA may result in the involvement of my legal counsel. Best regards, KMK Certified Mail Cc: FTC "Always do what you are afraid to do."
  21. is this debt almost too old for reporting? you said it defaulted in 2001? the CA picked it up in 2002? i would check the DOFMD on this acct b4 i pfd, because it seems that you are really close to this baddie dropping on it's own. imho they have nerves not accepting $100 on a time barred debt.
  22. thanx fizzle! thats a good idea, i will send a copy of the personal info. section of my exp rpt, & call to speak with a mgr. i really don't want another hard inq. hit especially if i can avoid it. they already sent my $200 deposit back. maybe i will send another deposit with my proof of identity.
  23. National City sucked it only showed tu's rpt claiming to be a 3 n1, i had to cancel. i joined exp credit expert, but only shows exp rpt. i need a better credit monitoring svc that shows accurate pics of all 3.
  24. January 08 Crown Jewelers is showing on my exp rpt as Current Applied for Orchard secured card in December 07, received a denial ltr & hard inq. in January 08 due to identity verfication ntd: i need to troubleshoot getting that orchard secured, & look for other ways to build pos t.l.s. i need to find a t.l. as easy as crown jewelers
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