|
First of all Does anyone need a private Lending Tree mortgage? Looking forward for any answer or 2. My other question... All you complainers about being moral when contacting the CRA's need to quit being so high and mighty.. |
|
|
|
Of course! although you might want to make sure and wait for another commenter to confirm this as I am on the fence. Better yet, why don't you email the Lending Tree guys because they can help better...
|
|
"not totally" lying *lol*. Cmon either you lie or you don't. That's like saying you "not totally" committed attempted murder. Either you did or you didn't..
Anyway, the CRA's lie to us all the time. What's good for the goose.... Sometimes you have to lie to protect your legal rights because you have a moron on the other end of the phone... |
|
OK, OK, I get your drift....
Not "totally" lying... Here is some more laws for you to keep (NY State). * A fine of $25 can be levied for flirting. This old law specifically prohibits men from turning around on any city street and looking "at a woman in that way." A second conviction for a crime of this magnitude calls for the violating male to be forced to wear a "pair of horse-blinders" wherever and whenever he goes outside for a stroll.. * It is against the law to throw a ball at someone's head for fun.. * A license must be purchased before hanging clothes on a clothesline.. * The penalty for jumping off a building is death.. * New Yorkers cannot dissolve a marriage for irreconcilable differences, unless they both agree to it. That rarely happens, since one party regularly says "no" to the other, or there wouldn't be a reason to dissolve the marriage. If one of the spouses says "no" to the divorce, the other party has to prove that the spouse saying "no" was at fault. Fault could be one of four terrible things. If the spouse has abandoned the other spouse, that is, left the house for a year or if there hasn't been sexual relations for a year (how do you prove that?). Another one of the four terrible things, an oft cited fault, is to assert that the spouse has treated the other spouse with physical or mental cruelty. Divorce will be easy if the spouse has been imprisoned for two or three years. Much more difficult is the last fault, adultery. This keeps a lot of private detectives in business, since lipstick on the collar is not proof. It also means that lawyers get paid to "prove" fault, or on the other side, to show how lame the opposing side's "fault" claim is.. * A person may not walk around on Sundays with an ice cream cone in his/her pocket.. * While riding in an elevator, one must talk to no one, and fold his hands while looking toward the door.. * Slippers are not to be worn after 10:00 P.M.. (from. Www.dumblaws.com. ).. |
|
What I meant was you can say things like, "I don't recall an instance when I was late on this account. Would you please verify this for me?" That may well be true. Sort of. That is, you may very well not remember exactly when you were late even though you have a good idea that you probably were at some point or another..
Agreed. And that was my point when I said that there were other, better ways to justify lying. I think there are probably a lot of reasons we can justify what we do in credit repair. But to say, "you've done wrong things before so why not so some more wrong things?" is just a flawed argument... |
|
I'm not *lying* to the CRA's..
I'm merely speaking to them in their native tongue.. Radi8.. |
|
Still, these threads are what make it worth staying up until 5 AM.....
|
|
This is what I like about this board. No speeches about how I should pay back my debts because they are mine and gee too bad for the bad times but you made your bed now lie in it stuff. I think most on this board are here to clean up their reports because of some misfortune in their lives, be it loss of job, divorce or misfortune beyond their control at one time..
I know that in my case I did contact the creditors and asked for some help, be it lowered monthly payments, stop interest and late and overlimit fees, etc. All but one refused. I took the honest approach and it got me nowhere. But I did have to deal with calls to my job and home, the yelling and cursing from the CA's. Then they want to sue you for a debt, to which now interst and fees exceed the orginal chargeoff. The CA's lie, cuss, place incorrect information on my credit report and I am to live with it for the next 7 years...I think not. The CA's attorneys get in court and lie and I am supposed to feel bad about saying "not mine" when disputing.. They want to play a game, so can I.. I just have a problem with a debt of under 1K being charged off and 5.5 years later having to pay $2500.00 to some slime ball and the OC gets little to none of the repayment.. Just my thoughts!.. |
|
In general, it is better to dispute specifics in an account, rather than a blanket "not mine"..
If you say "not mine" you MAY be fibbing, but more importantly all they do is to check to see if the name on the data they have is similar to yours.. If, however, you dispute the dates, the name of the original creditor, the account number and/or the chargeoff dates by stating, "I have no record of having any account in my name with this creditor/opened this date/charged off this date/with this account #/,etc. etc. you will not only be telling the truth,but giving a more effective dispute.. I personally do not subscribe to the notion of dealing with people who have treated you badly, or unethically in the same manner as they have dealt with you.. In my opinion, reflecting ill will and bad behavior for any purpose only raises the level of nastiness in the world, and we certainly already have more than enough to go around... |
|
After doing the osterich and hiding one's head in the sand ...
I would not be lying when I say I cannot recall the details of this account ... When an entry has the wrong middle intitial etc you have legit reason to question it... I wonder ho many people would be kind enough to to tell the parking violations people that the parking ticket licence plate info was incorrecct and here is the correct plate number and pay for the ticket.. To a point the system as whole is to blame.. Banks dangle a candy bar then you munch on it and ruin your teeth. No candy bar no bad teeth,,. If the ciggy companies can be held liable so should banks.. If I did not get all the cards in the mail etc and credit was so easy to get I would not be in half the mess I am in now... None of this justifies anything but the banks have resposibillity too... And in the end they make out from bad credit and they get to write it off. And jack the rates up for EVERYONE.. I bet a .5 % rate increase makes a lot more money for banks that the bad debts.. So the banks need bad credit.. Many moons ago I worked as claims adjuster and assigned rick policies always had a high claim rates but the insurance companies loved it because it was also a VERY high premium rate.. So things that look bad can very good for the bottom line.. |
|
Is it lying when the CRA's tell us that they have verified a dispute, and the original creditor says they never heard from them? What I'm saying is this folks. these people try and hold regular consumers to higher standards than they do themselves...
|
|
This is why my philosophy of creating a new file is cheaper and easier. Once your original file is cleaned up you can close down the new one or merge them and have more tradelines..
BTW...non of the naysayers have ever been able to point to a case where someone was convicted of having a new file. It's not your fault if the CRA computer thinks your someone else.. You don't need to change your SS# like everyone thinks either. Imagine how many files there are for Smith.. Anyway, just sharing another view point... |
|
If you keep using the same SSN that's on your old file, how would a new one be created?.
Saar.. |
|
We don't have to point to a case. It is illegal. Period. End of story. If you want to do this, go ahead. But you shouldn't be promoting illegal acts on the board..
Also, if you don't change your ss # as Saar asked you about, what do you do, just borrow one from one of the Smiths?.. |
|
I personally don't have a problem with doing anything it takes to get a deletion, but I find your attitude to others who hold themselves to different standards a bit distasteful. If you are directing this staement at trolls who are here just to disrupt the board, that's one thing, but to just go off on people because they don't agree with a "no holds barred" philosophy is immature..
Gib.. |
|
Well sometimes you gotta fight fire with fire:.
With CAs and some others if you don't fudge they won't budge!.. |
|
A troll? Where's the troll???.
<breeze likes feeding the trolls>.. |
|
Nestea, what is your problem? Isn't this now the 2nd offensive post you have written? You need to calm down and stick to your own business...
|
|
Um.... without splitting hairs, how about?.
** Two wrongs don't make a right **.. |
|
But if they both agree then it would not be irreconcilable difference LOL.
Snip. New Yorkers cannot dissolve a marriage for irreconcilable differences, unless they both agree to it.. |
|
Bigmon,.
There are plenty of cases where people have been convicted of trying to create a new credit file using a EIN or false social security number. A simple google search for "create a new credit file" will come up with many court records dealing with this subject.. It is only a matter of time until you would get caught, and when you do, I wish you good luck. This would be a federal crime, and it is a felony. I don't know about you, but I am not willing to go to federal prison for a clean credit history. It is not necessary to break the law to clean up your credit.. If you feel this is something you want to do, go for it. But I would suggest refraining from talking about it or suggesting it on this board. It will lead to problems for you, and maybe for creditnet itself. I would hate to see that happen.. Besides, I don't know how I would sleep at night knowing that the next time the phone rang, it could be the feds! :).. |
|
This is not something I do. If I did I certainly wouldn't be talking about it here..
You don't have use a fake SSN or EIN. It's by accident when some people moved to another state and because the CRA computer didn't identify them it created a new file.. There are flaws in the CRA computers. Look at a what happens when your EQ file gets too big.. I've had it happend to me with over 10 years of credit history and the credit report says no file found and creates a new one.. I dont' know if there is a way to intentionally trip the computer. If you give the correct info and it creates a new file I find it hard to believe the DOJ would spend the time and money to prosecute you... |
|
Quote:.
Originally posted by Nestea. All you complainers about being moral when contacting the CRA's need to quit being so high and mighty.. If you have done any of the things on the list below, then you need to shut yer friggin pie holes about breaking laws.. I find your attitude to others who hold themselves to different standards a bit distasteful. but to just go off on people because they don't agree with a "no holds barred" philosophy is immature.. Gib. ================. I don't think this is the message Nestea is trying to convey.. What TenderLeaf is saying is he who is not without sin should not be casting stones.. LB 59.. |
|
LKH, Breeze,.
I thought that Nestea was joking. Surely that was all a joke.. Nestea,. Please tell me you were joking, because if you weren't, then you are a figgin fruit loop! Really.. Sirrowan.. |
|
I am sorry, but just because you've done other wrong things in the past is not a very good justification for continuing to do wrong..
Jymlewis. ==================. I am sorry, but just because you've done other wrong things in the past is not a very good justification for continuing to do wrong.. This is not what the poster is talking about.. What they are saying is don't bug me about the clutter in my house when or if your home isn't TIDY!. LB 59.. |
|
If you give the correct info and it creates a new file I find it hard to believe the DOJ would spend the time and money to prosecute you..
Bigmon. =================. I agree on this statement only.. |
|
Well said. And the logic used to make his/her point leaves a lot to be desired...
|
|
Setting the ethics of lying to CRAs aside for a moment, I am interested in the question posed in the subject line of this thread. Is lying, in disputes for instance, actually illegal. If so, does anyone know in what states it is illegal and what penalty it carries?..
|
|
Thanks Butch,.
My curiosity was piqued when I received a letter from TU stating that it was illegal in some states to frivolously dispute items in ones credit report, or something to that effect (I don't have the letter with me at the moment). Since I have never heard of anyone being penalized for "lying" to a CRA, outside of disputes being labeled as "frivolous" and ignored, I wondered if such laws existed... |
|
"Lying," is such a nasty word. I prefer, "do not recall." Is that information on the credit report correct? Maybe, maybe not, for I "do not recall."..
|
|
Let's talk about lying...I started noticing the last collection left on my TU report today(I should've looked along time ago) Something under verification date caught my eye..11/96. I then looked at all the repotrs they have been sending me, same thing 11/96. Then I checked the recent one online, 11/96. So I called and asked them when the last time this account was verified..she said"11/96" So then I asked, well why did you all send me a statement dated 11/15/02 saying that this account was "verified and remains"..SILENCE..then I proceeded to read off the accounts that were deleted at the same time..well, no that was verified 11/02. So I ask, well why did you just tell me that is was 11/96? I was so mad I immediatly emailed Mr. Richman detailing this information, not 5 minutes later she called back, it had been deleted..
And there is even a slight question about lying to a CRA???? Please, they lie daily and I wonder to how many people! I am not saying that it is ok, but come on what about lying to us? BTW, this account wasn't my error, it was my "insurance co" but irregardless I was still lied to about verification.. Also, if CA's and OC would keep all of their ducks in a row it would not matter whether or not someone was lying to them, they would have all necessary info to prove you wrong..that is the way the law is written! If it wasn't there would be alot more people being bullied by the CA's... |
|
Lori! You are a genious!.
TU did the same thing to me but I never thought of calling back to ask another agent when the account in question was last verified. That's enough to crucify them in court.. I have received those "previously verified" letters from TU and they ditched my dispute. I think all the CN'ers should take note of this. If you get information from the reps that conflicts with the previously verified letter demand deletion or get ready to file suit.. I think this should be added to the list of cleaning up your credit and making sure the CRA's REALLY do their job. TU has been notorious for that. If they don't feel like doing their job as required by law then just delete... |
|
From another thread, I said:.
"I will exercise perfect moral and ethical character in my Lending Tree credit repair dealings, to the precise extent my adversary is willing to do the same".. I believe you'll find this an effective philosophy.. :).. |
|
I love it butch. that's pretty much my motto..
And lori. you are a genius. I am racking up violations with tu and I only began disputing a month ago!!!!!.. |
|
If a killer was holding you at gun point would you lie to save your life?..
|
