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Shawpiro
Joined: 31 Dec 2007
Shawpiro's page
Posts: 53
Location: Austin Tx
2496 Magic Points
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1402
34547 Magic Points
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Wed Jan 02, 2008 9:42 am
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Hi Shawpiro,
This is really very informative  .
_________________
Regards,
Laura. |
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Greggory
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Wed Jan 02, 2008 9:52 am
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| I see this in the money talk forum also. Very good article. Thank you. |
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Shawpiro
Joined: 31 Dec 2007
Shawpiro's page
Posts: 53
Location: Austin Tx
2496 Magic Points
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Subject: Thanks for the replys!
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Fri Jan 25, 2008 12:15 pm
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Thank you for the positive feed back. I just posted another one of my rages on here so plese comment on it also. Your feedback is appreciated.
_________________
Glynis Shaw
www.scorefix.net
325-372-8861 P#
512-436-9008 Fax# |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1402
34547 Magic Points
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Fri Jan 25, 2008 12:28 pm
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I dint get that as yet? Will check soon.
_________________
Regards,
Laura. |
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Kmz Jr.
Joined: 24 Feb 2008
KmzJr's page
Posts: 2
162 Magic Points
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Sun Feb 24, 2008 7:46 pm
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Mr. Shaw, you say that proof must be shown that the debtor does indeed owe that debt. What kind of proof are you talking about? I am guessing that if I want to dispute something, all the bureau needs to do is look up my number in the system see my account, print it out, and, bingo, there is the proof. I am guessing that you are saying that they need something with my signature, etc. verifying the original debt. If the card was obtained over the internet, what would be the process then? Also, if a debtor makes payments on a card then all of a sudden stops and wants to challenge it, the fact they made past payments would be proof enough that the debt was theirs.
This is all so confusing. |
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diem
Joined: 20 Feb 2008
diem's page
Posts: 94
152 Magic Points
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Sun Feb 24, 2008 7:50 pm
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| The collection agency or original creditor need to be able to provide adequate proof that the debt is owed. This is more than just some printout of numbers that they will try to fancy you with if they don't have the proper validation. This includes contracts, past payments, etc. Alot of times they will verify with the Credit Reporting Agencies without proper proof. That is what makes the 1-2 punch so effective. There is another post on that method here on the board. |
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Shawpiro
Joined: 31 Dec 2007
Shawpiro's page
Posts: 53
Location: Austin Tx
2496 Magic Points
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Subject: Proof of debt.
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Sun Feb 24, 2008 8:25 pm
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Thank you diem I couldnt have said it any better myself. Thats what the credit bureaus try to do to the public. Most people dont know how to follow up and never get anything much taken off their bureaus. The credit bureaus are a deceptive bunch and will try and do anything they can to avoid what the law says they have to do. Lots of times on the second challenge they will come back with a letter to the person that the challenge is frivilous. You need to make them prove that you owe the debt and that they have proper documentation that gives them the right to report it. Dont worry they dont have it in probably 99% of the challenges. Thats why we use credit lawyers exclusively to help our clients. We sued the credit bureaus over 300 times in 06 and 400 times in 07. You have to learn to play hardball. If you dont you wont get a whole lot done. Just a comment here on part of your post diem. The way Ive been taught is that the credit bureau has to have the documentation and be able to provide that when something is challenged if not delete it. They are the ones that have to do all the leg work to the creditors to get the documentation not the client. Most of the time they wont take the time once they are pushed to get the documentation and will just delete the negative that was challenged. It costs them to much time and money to chase down all the paperwork just to keep this small debt on your bureau. You are challengeing their right to report it not the fact that you owe the debt. Thats what you need to focus on is their right to report the debt. They are a company just like any other company and not a branch of the government. Their are laws that they have to go by so make them do that.
_________________
Glynis Shaw
www.scorefix.net
325-372-8861 P#
512-436-9008 Fax# |
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Ism
Joined: 13 Feb 2008
Ism's page
Posts: 44
2506 Magic Points
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Mon Feb 25, 2008 2:16 pm
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| Quote: | | The credit bureaus are a deceptive bunch |
This made me laugh - isn't the point of what you are doing deceptive? You aren't talking about removing information that is wrong - the goal of your method is to get legimate debt removed from a credit report by means of exploiting laws enacted to protect consumers. The Fair Credit Reporting Act isn't supposed to be used as a "get-out-of-debt-free" card.
Don't you think it's a bit of "pot calling the kettle black"? |
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Shawpiro
Joined: 31 Dec 2007
Shawpiro's page
Posts: 53
Location: Austin Tx
2496 Magic Points
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Subject: Nothing wrong!
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Mon Feb 25, 2008 5:09 pm
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Im talking about makeing them do their job. They report things on your bureaus that they cant confirm and also they report things on your bureaus that arent correct. Even your zip code can lower your credit score. If they can confirm it good for them if they cant make them take it off. Its just that simple.
_________________
Glynis Shaw
www.scorefix.net
325-372-8861 P#
512-436-9008 Fax# |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1334
1 Magic Points
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Subject: credit bureaus
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Mon Feb 25, 2008 5:26 pm
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| Never knew all of that!! That's helpful information. Here's a question...............if you DID pay off an old debt and it STILL shows on your CR, what is the best way to 'challange' it, through the Credit Bureaus? Will they take it off ASAP, if you have proof you paid it off? Where do you SEND the PIF documents/reciepts, if the CA (or other companies) won't 'honor' the PIF?? |
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Shawpiro
Joined: 31 Dec 2007
Shawpiro's page
Posts: 53
Location: Austin Tx
2496 Magic Points
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Mon Feb 25, 2008 5:30 pm
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There are several articles here on how to do that. I work for an agency that does that for you and never have done gthe paperwork myself so you will actually have to do a little research on the right procedures. I let our lawyers do all that for me and my clients. I do know that if you dont know what your doing it can be a long drawn out process.
_________________
Glynis Shaw
www.scorefix.net
325-372-8861 P#
512-436-9008 Fax# |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1334
1 Magic Points
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Subject: credit
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Mon Feb 25, 2008 5:48 pm
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| I read the Website, scorefix.com. Front page sounds wonderful!! However......for me personally, I REALLY can't afford an "INITIAL fee of $195.00 and $175.00, per month, for 6 months." Also...there were ADDITONAL fees, that I read, as well. How can ANY company GUARANTEE a 'credit fix?' |
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Shawpiro
Joined: 31 Dec 2007
Shawpiro's page
Posts: 53
Location: Austin Tx
2496 Magic Points
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Subject: Our guarantee.
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Mon Feb 25, 2008 5:53 pm
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Actually I dont think it would be proper for me to post our guarantee on here. It would probably be considered spam and I like this forum very much so I dont want to break the rules. Youl just have to look it up on our website.
_________________
Glynis Shaw
www.scorefix.net
325-372-8861 P#
512-436-9008 Fax# |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1334
1 Magic Points
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Subject: website
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Mon Feb 25, 2008 6:03 pm
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| SHAWPIRO......your website DOES "guarantee" credit repair. Which means........if you CAN'T guarantee it, than you are posting incorrect information. I ALSO noticed you din't make ANY response about your 'memebership fees' (which I stated above..and is ALSO on the website). People, on this forum, are looking for help, NOT to get into MORE debt, by owing a 'credit repair' company, as well. |
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