Comments for CreditFactors

Comment on White v. Experian et al: CRAs must update SOME discharged accounts after bankruptcy filing by Christine

Christine — Thu, 19 Mar 2009 20:24:15 +0000

I sued Experian for continuing to report the bk or charge-off INCORRECTLY. But then I had to DISMISS Experian to get them to delete my UNREDACTED credit reports from the public record (for download by ANYONE).

I obviously didn’t want the whole world to see my entire credit reports with all my personal information. And, the court of appeals AFFIRMED, stating it is perfectly fine for credit bureaus to make the credit reports public when you sue them.

When I posted that I was looking for judge Broomfield’s address to publicize, a US marshal visited me.

That’s “justice” and “equal rights” in America.

Anyway, my deposition of Experian employee Kimberly Hughes regarding the reporting is posted at CreditCourt.

“Because of this Experian is extending how long the BK will stay on my report.”

I don’t believe that. The BK reporting is based on the public record.

I would start by submitting a FACTUAL dispute and then submitting a PUBLISHED FTC complaint if they don’t correct it.

I’m currently setting up a new site for my DOCUMENTED complaints to demand ENFORCEMENT.

We all know how Bush sucked and ordered the FTC to NOT enforce consumer protection laws, let’s see whether Obama brought any change.

I’ll post here when the site is ready.

Comment on White v. Experian et al: CRAs must update SOME discharged accounts after bankruptcy filing by Melissa

Melissa — Thu, 19 Mar 2009 14:38:21 +0000

Can someone tell me if the credit bureau’s can still reported “included in bankruptcy” “charge-off”? Do they have to delete late payments prior to bankruptcy? My biggest problem is with HSBC - they are duplicating that I filed BK - on 12/31/08, 1/12/09, 3/15/09 and 3/17/09. The actual date of filing was 6/7/07. Because of this Experian is extending how long the BK will stay on my report.

Comment on Credit bureaus and Sallie Mae REFUSE to correct student loan high credit reporting by Christine

Christine — Sat, 14 Mar 2009 21:05:34 +0000

It’s NOT too late!

I just posted at http://trado.info/video-default-the-student-loan-documentary after I watched the video at your blog.

You made a few bucks today (those DEBT CONSOLIDATION ads pay well), but of course that’s not enough to make just one loan payment.

There are MANY ways to get back at the banks, you just need to get a DIFFERENT kind of education, learn about the laws and ways to evade them.

“You can’t squeeze blood out of a turnip.”

Comment on Credit bureaus and Sallie Mae REFUSE to correct student loan high credit reporting by jeff

jeff — Sat, 14 Mar 2009 08:12:40 +0000

Wow… that is yet another student loan gotcha. The protections of student loans is all for the loan companies. sometimes I think it would have been better to pay for school with a credit card for a few reasons.

Comment on myFICO composition and score factors by Christine

Christine — Fri, 20 Feb 2009 06:30:00 +0000

Jodi, once again I get to document that the most abusive people are freeloaders and losers like you.

EVERY ONE of my FREE forums was closed because of morons like you.

So I’ll focus on helping people who PAY me. And that’s too bad, at a time when so many are losing their jobs, their homes, everything they have.

If it wasn’t for dimwits like you, maybe there would be more professionals volunteering their time and sharing their expertise free of charge for the benefit of all.

I disabled comments.

Congratulations, Jodi!

Comment on myFICO composition and score factors by jodi

jodi — Thu, 19 Feb 2009 23:59:14 +0000

Note: A winking emoticon denotes sarcasm or joking.

Comment on myFICO composition and score factors by jodi

jodi — Thu, 19 Feb 2009 17:51:59 +0000

I hope you understood my sarcasm in my last comment.

Comment on myFICO composition and score factors by jodi

jodi — Wed, 18 Feb 2009 23:53:13 +0000

Wow. You’ve displayed quite a professional attitude and demeanor . Good luck with all of your endeavors.

Comment on myFICO composition and score factors by Christine

Christine — Wed, 18 Feb 2009 23:49:16 +0000

ALL CAPS are intended to EMPHASIZE a word and that was my intention. Have to admit that I’m a bit frustrated that after 15 years of actively publishing the FICO and credit scoring issues on the web, I have yet to find a another credit PROFESSIONAL. Have you checked the page with my history?

http://creditfactors.com/about/history/

There are links to some of my major projects including my submissions to regulators about the FICO scoring fraud and systemic credit reporting problems.

If the regulators and legislators hadn’t IGNORED me, we wouldn’t have a credit crisis today.

Anyway, my subscription site contains a lot more specifics on how to analyze FICO scores and I answer subscriber questions in the subscriber forum after they post the score factors and answer my questions.

It’s not MY fault that FICO scores and credit reporting are so screwed up and nobody can claim that I didn’t do MANY times more than anyone else to change it.

Sure, I failed.

But what did YOU do to change the world?

Comment on myFICO composition and score factors by jodi

jodi — Wed, 18 Feb 2009 23:19:19 +0000

Thanks. Please accept my apologies as I did not realize the intended purpose of your site. I do understand the important factors, but find no way to predict exactly how FICO will react. For example, I don’t see anywhere where it tells me how adding an account to my report would either increase my score because of its’ age or decrease my score because of my debt to income ratio. Just constructive criticism: You may want to curb your capital letters (they read like you’re yelling) and potentially harsher language that could be misconstrued.