creditfactors.comCreditFactors | FICO credit scores – settling debts – dealing with collectors … Profile

Title:CreditFactors | FICO credit scores – settling debts – dealing with collectors …

Description:FICO credit scores – settling debts – dealing with collectors …


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CreditFactors | FICO credit scores – settling debts – dealing with collectors … CreditFactors FICO credit scores – settling debts – dealing with collectors … Home Member login and FAQ Subscription and Services — ORDER About CreditFactors Credit Activists I no longer provide credit services 0 | March 17th, 2016 | Posted in General I no longer offer credit services other than for clients I previously worked with. I’ve been litigating against credit bureaus, creditors and collectors since about 2000. We had STRONG legislation protecting consumers, but the Fair Credit Reporting Act was weakened in 2003. Our corrupt legislators FAILED to amend the Fair Debt Collection Practices to adjust the $1,000 maximum statutory damages to inflation (it was enacted in the 70s) and many judges DESPISE all consumers. It has become impossible for me to provide meaningful assistance to my clients as credit bureaus, creditors and collectors no longer worry about getting sued for violating the law. To make matters worse, there are NO competent consumer attorneys willing to represent consumers without retainer and in many cases you couldn’t hire a competent lawyer if you had thousands of dollars for the retainer. Several of my clients did retain attorneys, but the so-called consumer lawyers generally want to settle for only their HUGE attorneys fees and CORRECTION of incorrectly reported data. The consumers get NOTHING but a lot of aggravation and stress. So I give up. I’m only one woman with ZERO support from any organization. I’m now focused on establishing a small organic farm in the high desert and I’m fighting Monsanto and once again, corrupt legislators such as Senators John McCain and Jeff Flake. Yesterday was a good day, the DARK Act was defeated — for now. It’s good to see MILLIONS of people TAKING ACTION to get GMO labeling, calling their representatives and creating awareness. When it comes to their health and especially to the health of their children, many Americans are willing to step up. When I wrote about SYSTEMIC fraudulent credit reporting such as INCORRECT FICO scores (see FICTITIOUS late payments on Equifax FICO reports) resulting in FICO scores often 100 points lower than they should have been, many thousands read my documentation, but NOBODY did anything whatsoever. I know what it’s like when you’re BROKE and you have no credit and life just sucks. I know it’s even harder when you have a family to support and you have to work some crummy job just to feed everybody. I sure wish I could help, but I don’t have super human powers and I certainly don’t have the cash it takes to ensure that you’ll find JUSTICE in America. Good luck to all of you! Christine Suing Chase and Equifax for verifying incorrect late payments and balance 9 | July 8th, 2013 | Posted in Credit litigation On September 5, 2011 Chase reported my client’s old charged off credit card with NUMEROUS late payments after the account was charged off. From the myFICO Equifax report: My client disputed these incorrect late payments and Chase then reported the account with the “CO” notation in the payment history to Equifax. Unfortunately, myFICO rated the “CO” notations as LATE PAYMENTS (fictitious lates): My client disputed with CSC as it maintained his Equifax file at the time and he included the myFICO Equifax showing how the fictitious lates lowered his FICO score: Read More ? Dell Financial Services lawsuit settled 13 | July 1st, 2013 | Posted in Debt Settlement I previously posted about the BIZARRE Dell refusal to settle an old charged off account: Suing Dell Financial Services because it REFUSED to settle an old chargeoff Dell actually hired an outside attorney and he scheduled a contested trial. The attorney refused to communicate with me when I asked him whether my posting was accurate, but he finally responded to my client’s email and Dell then offered to delete the balance and my client accepted. It cost my client $80 to sue and serve Dell and he had paid me $300 to settle the account, so I think it worked out ok. I have NO idea why Dell wasted the money to hire a local attorney, but not communicating with customers seems to be an important part of Dell’s procedures. This was SLOW going and the dismissal was just filed last week, a few days before the trial. We had asked the attorney to have DFS change the payment history, but the settlement agreement states that Dell is not responsible for Fair Isaac’s FICTITIOUS late payments. Of course we know that, but why couldn’t Dell be nice about it and change the payment history? As of today, the Equifax credit report still shows the balance and my client has to dispute with the credit bureaus. And we’ll get a new myFICO report to see whether the fictitious lates are still an issue. Experian FICO score FINALLY available at myFICO again 0 | June 17th, 2013 | Posted in FICO scores I’m not trying to drum up business for myFICO, but if you’re in the market for a mortgage, this is good news! myFICO still creates entirely fictitious late payments on Equifax reports 0 | June 3rd, 2013 | Posted in myFICO Equifax FICTITIOUS late payments I just posted the screenshots of a Dell account with fictitious lates and the resulting myFICO negative score factor at 3/19/13 myFICO STILL creates fictitious late payments. In 2007 I notified Fair Isaac (myFICO) of this BUG in their software and I can only imagine how many people lost their homes, got divorced and/or sick because these entirely FICTITIOUS late payments caused credit declines and maybe worse, resulted in high rate mortgages. Imagine how many people are declined for credit cards or have only very low limits and end up getting payday loans because their FICO scores are 50 or 100 points lower than they would be without the fictitious lates. I hope to find the time to notify the Consumer Financial Protection Bureau as the FTC couldn’t care less. Until either regulators or courts force myFICO to fix their software, be sure to carefully look for these fictitious lates and try to have the creditor remove those chargeoff notations. My client sued Dell because it refused to settle the account and last week Dell offered to settle the lawsuit by reporting a $0 balance. So now we’re asking Dell to also remove the “CO” reporting to Equifax. payments from bank accounts for 25 cents 0 | May 20th, 2013 | Posted in General I just updated the CreditFactors order page to include Dwolla payment buttons and I installed the Dwolla plugin for the CreditFactors Membership signup. The plugin is still in alpha testing, but I hope it works. As long time readers know, PayPal changed its terms a few years ago to prohibit credit and debt settlement services and all merchant accounts I have seen have similar terms. So I’m thrilled to have Dwolla and the incredibly low 25 cent fees and of course I’m passing the savings on to my clients. Please let me know if you encounter any problems ordering. Suing Experian for failing to investigate and C... Similar Website

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