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| Forum | Topics | Posts | Last Post |
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| FAQ |
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Why, what, how?
Registration is disabled, as this is NOT a discussion forum. To support new consumer legislation, please contact me at http://creditsuit.org/ | 3 | 6 | Tue Dec 11th, 2007 08:02 am
by Christine
in How to go about contacting legislators  |
| The 2008 Presidential Campaign |
| Senator Christopher Dodd, D - CT
11/28/07: Announced bankruptcy reform legislation
11/30/07: Submitted the link with many issues not addressed by the proposed legislation. | 1 | 1 | Fri Nov 30th, 2007 11:08 pm
by Christine
in 11/30/07: My submission to Senator Dodd |
| 6/19/07 FCRA hearing in Congress |
| The archived webcast and the transcripts
The lies of Lydia Parnes, Director, Bureau of Consumer Protection, FTC and Sandra Braunstein, Director, Division of Consumer and Community Affairs, Federal Reserve System | 2 | 2 | Sat Jun 23rd, 2007 12:11 am
by Christine
in 6/19/07 testimony of the National Credit Reporting Association, Inc. |
| 6/21/07 Open Letter to the Members of the House Financial Services Committee
Only SOME of the many systemic problems with credit reporting are addressed in my 13 page letter. | 1 | 1 | Tue Jun 26th, 2007 03:15 am
by Christine
in My 6/21/07 Open Letter to the members of the House Finance Committee |
| Contacting Representatives
I'm requesting that all Members of the House Financial Services Committee state their position with regards to the issues discussed in my 6/21/07 Open Letter.
I document my contacts here and I will update with the responses.
Obviously, you should NOT vote for a politician who does NOT bother to respond. | 6 | 7 | Thu Jul 5th, 2007 08:37 am
by Christine
in Luis Gutierrez, D |
| Amendment of the Fair Debt Collection Practices Act (FDCPA) needed - URGENT! |
 | Collectors need to DELETE disputed collections prior to validation
Currently, the FDCPA requires that collectors report a collection as DISPUTED after receiving the consumer's dispute.
The dispute notations are IGNORED by FICO scores! | 1 | 1 | None |
| Collectors need to NOTIFY consumers of collections
MOST consumers find out about collections when they get their credit report.
Collectors MUST notify consumers 45 days PRIOR to obtaining the consumers' credit reports and reporting the collections | 1 | 1 | Sun Oct 14th, 2007 06:14 am
by Christine
in 7/5/06 Focus Receivables collection call, extorting $250 with threats of credit reporting |
| The subprime mortgage crisis: LIES, incorrect credit reporting, regulators refusal to enforce laws |
| The regulators REFUSE to enforce consumer protection laws
I have been submitting my complaints about false mortgage advertisements for years to the California Department of Real Estate.
They never once took any action and instead IGNORED my complaints. | 1 | 1 | Fri Jun 15th, 2007 02:37 am
by Christine
in 3/18/05: My California DRE complaint about the Lower My Bills false advertising |
| Federal law to allow recording of sales and collections calls
We need to preempt state laws prohibiting the recording of calls unless all parties are notified to STOP the lies and abuse by marketers and collectors and we need STATUTORY damages for misrepresentations.
LIES are the #1 reason for the subprime crisis! | 1 | 1 | Mon Jun 11th, 2007 06:15 pm
by Christine
in The only way to PROVE the lies, abuse and harassment is to RECORD the phone calls |
| Credit Scoring Fraudware (FICO scores, PLUS scores, etc.) |
| Fair Isaac rates UNDATED late payments
How can ANY late payment be reported without a date? | 1 | 2 | Tue Jun 26th, 2007 11:48 pm
by Christine
in Apparently an UNDATED late payment rates as if an account was late 1 year ago |
| Fair Isaac FICTITIOUS lates on Equifax reports
This is a fully documented FICO credit scoring software bug -- the impact on FICO scores can be devastating and disputes with Equifax are futile because Equifax is NOT reporting these late payments. | 1 | 2 | Fri May 11th, 2007 07:49 pm
by Christine
in 5/4/07 - FICO scores add FICTITOUS Equifax late payments long after charge-off |
| Bizarre FICO Scores
Collections get deleted, score goes DOWN | 1 | 1 | Tue Mar 6th, 2007 06:36 am
by Christine
in 1/22/07 TU FICO score -- 663 -- 3 collections and one 30 day late payment |
| NEW legislation needed to PROHIBIT change of terms due to low credit scores |
| WaMu 26% rate due to credit without any derogatory data
This topic was about CHASE.
11/20/07: Chase press release announcing new practice NOT to use credit bureau information to rate accounts. FINALLY!
Now WaMu increased the rate to 26% on a credit card due to the credit, but there is NOTHING negative on the credit reports. The high balances caused the low FICO score. | 5 | 5 | Tue Dec 11th, 2007 07:44 am
by Christine
in Open Letter to WaMu: My refusal to pay my $8,000 WaMu (Providian) VISA card due to the 26% interest |
| Other ILLEGAL credit reporting activities |
| Failure to disclose the often INCORRECT inquiry classification
Fair Isaac widely publicizes that it "deduplicates" (counting several inquiries as only one inquiry) auto and mortgage inquiries so that applications with multiple lenders will not lower the FICO credit scores.
However, often auto and mortgage inquiries are not coded as such and MOST credit reports do not disclose the type of inquiry.
| 1 | 2 | Sat May 19th, 2007 09:41 pm
by Christine
in Mortgage inquiries NOT identified as such |
| INCOMPLETE and INCORRECT Fair Isaac (myFICO) credit reports
At $15/report, you should get the COMPLETE consumer disclosures the FCRA mandates. myFICO reports contain NO soft inquiries, NO credit grantor contact information, PARTIAL personal data, ...
INCORRECT field labels, bizarre data. | 3 | 8 | Sun Jul 1st, 2007 09:03 pm
by Christine
in 2/3/05 bizarre myFICO reporting of collections |
| ID Theft |
| Capital One SUES consumer after notification of ID theft
Capital One just doesn't know when to quit and filed suit for charges AFTER notification of ID theft. | 1 | 2 | Sat Mar 31st, 2007 09:06 pm
by Wandering Oisin
in ID Theft |
| Capital One FINALLY reports the credit LIMITS |
| Capital One lowers the FICO scores of MILLIONS
The LAW, the litigation, Judge Wake's order, the CDIA Credit Reporting Manual
After 6 years of complaints, lawsuits and publication, Capital One finally has to report the credit limits.
Congress needs to ensure that Capital One adequately compensates its account holders for the damages it intentionally and maliciously inflicted. | 6 | 6 | Fri Feb 2nd, 2007 04:11 am
by Christine
in The CDIA (eOscar) credit reporting manual REQUIRES the reporting of the credit limits |
Current time is 06:32 am
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