Accurate Information

Posted by Sean on June 08, 1999 at 09:43:34:

In Reply to: Sean: Another Question, Thanks for the Reply posted by Chris Ryan on June 07, 1999 at 18:23:30:

Credit reporting agencies do not have to remove accurate and verifiable information about you. No amount of disputing, suing or threatening will convince them to remove accurate information.

Since you have stated you didn't pay and they charged you off, we are talking about accurate information.

Fortunately you have some leverage. That leverage is that YOU OWE THESE PEOPLE MONEY. In some cases thousands of dollars. They'd like to get something for this debt.

They think that if they just insist you pay them and offer you nothing in return that eventually you'll just give up, pay them off, and they'll saddle you with 7 years of bad credit.

In essence, they want you to PAY and they will give you NOTHING IN RETURN. That's bogus, dude. Don't do it.

If you feel the need to spend money to improve your credit report and you don't understand or don't want to do what I previously suggested, then get yourself some secured credit cards and wait the bad credit out. If you want a FICO of 680 you need 10 good credit references for every one bad.

If you're interested in seeing if those debts can be purchased, email me and maybe we could work something out.

Follow Ups:

• Accurate Information. No, really, I mean accurate. Greg Fisher 10:47:03 6/08/99 (17)
  • My Reference: Fair Isaac Sean 12:36:19 6/08/99 (16)
    • Issue 1: "It claims that scoring is discriminatory..." Greg Fisher 08:50:10 6/11/99 (2)
      • Silence Implies Consent Sean 09:46:27 6/11/99 (1)
        • Now that that is resolved, cease making false claims about me. Greg Fisher 09:20:41 6/12/99 (0)
    • That's proof of something (but not of your statement). Greg Fisher 22:23:13 6/09/99 (12)
      • Proprietary Sean 09:35:05 6/11/99 (3)
        • Your true colors: "... I'd not only sue... I'd go there with a pump shotgun and mow people down." Greg Fisher 10:28:19 6/12/99 (2)
          • Let me see... Sean 09:02:05 6/14/99 (1)
            • Pay attention. Greg Fisher 09:54:08 6/15/99 (0)
      • Credit Scoring Sean 10:48:38 6/10/99 (7)
        • Re: Credit Scoring Greg Fisher 08:33:06 6/11/99 (4)
          • Seeing Through the Spin Sean 09:11:57 6/11/99 (3)
            • I can see I'm going to have to break this down even more for you. Greg Fisher 09:37:24 6/12/99 (2)
              • Your Questions are Disingenious Sean 09:49:14 6/14/99 (1)
                • Your answers are guesses, and you are losing track of what you said. Greg Fisher 02:33:46 6/19/99 (0)
        • Can't we all just get along? Alaska is calling .... Christine Baker 16:47:52 6/10/99 (1)
          • Re: Can't we all just get along? Alaska is calling .... Sean 10:09:31 6/11/99 (0)

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Comments:
: Credit reporting agencies do not have to remove accurate and verifiable information about you.  No amount of disputing, suing or threatening will convince them to remove accurate information.

: Since you have stated you didn't pay and they charged you off, we are talking about accurate information.

: Fortunately you have some leverage.  That leverage is that YOU OWE THESE PEOPLE MONEY.  In some cases thousands of dollars.  They'd like to get something for this debt.

: They think that if they just insist you pay them and offer you nothing in return that eventually you'll just give up, pay them off, and they'll saddle you with 7 years of bad credit.

: In essence, they want you to PAY and they will give you NOTHING IN RETURN.  That's bogus, dude.  Don't do it.

: If you feel the need to spend money to improve your credit report and you don't understand or don't want to do what I previously suggested, then get yourself some secured credit cards and wait the bad credit out.  If you want a FICO of 680 you need 10 good credit references for every one bad.

: If you're interested in seeing if those debts can be purchased, email me and maybe we could work something out.


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