Comments on: A New Face for Credit Card Privacy Notices http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/ Credit Scoring Expert speaks candidly about his personal growth and asks respected writers to share content to help others improve their life. Wed, 28 Jul 2010 04:23:00 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: Philip Tirone http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-444 Philip Tirone Tue, 22 Dec 2009 00:25:41 +0000 http://www.philiptirone.com/?p=694#comment-444 Most likely, after 8 or 9 years, it won't matter - they are just barking up a tree, trying to see if anything falls out. Explain to them that you have no money and NEVER admit guilt. You need to reestablish your creidt immediatly. For optimal results, attend one of our teleseminars. For free access to the 90 minute call, contact Natalie Sanchez at natalie@themeg.net Most likely, after 8 or 9 years, it won’t matter – they are just barking up a tree, trying to see if anything falls out.

Explain to them that you have no money and NEVER admit guilt.

You need to reestablish your creidt immediatly. For optimal results, attend one of our teleseminars. For free access to the 90 minute call, contact Natalie Sanchez at natalie@themeg.net

]]> By: Philip Tirone http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-443 Philip Tirone Tue, 22 Dec 2009 00:23:10 +0000 http://www.philiptirone.com/?p=694#comment-443 David - this sounds familar. Unfortunatly, for all of American's the creditors have the power, not us. You have two choices: 1) Be right - and this will stary on your credit and ultimatly go to collections. 2) Put your ego aside, pay the bill, and never do business with them again. The $200 you will spend, will be peanuts compared to the money you will spend if your creidt continues to stay low. As someone who hates these stories... I have had to put my ego in the closet many times... and each and every time, I hated it. In the long run, I glad I did. David – this sounds familar. Unfortunatly, for all of American’s the creditors have the power, not us.

You have two choices:

1) Be right – and this will stary on your credit and ultimatly go to collections.

2) Put your ego aside, pay the bill, and never do business with them again. The $200 you will spend, will be peanuts compared to the money you will spend if your creidt continues to stay low.

As someone who hates these stories… I have had to put my ego in the closet many times… and each and every time, I hated it. In the long run, I glad I did.

]]> By: Philip Tirone http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-442 Philip Tirone Tue, 22 Dec 2009 00:19:35 +0000 http://www.philiptirone.com/?p=694#comment-442 Joyce, I hear this often. Sometimes bankrupcy is the best course of action. Bottom line, it's never too late to make the right decision. I would relook at your situation to see what makes sense (Debt consolidation or BK) AND when you talk to a debt consolidation company ask them when the debt will be paid off and how much it will impact your credit. Many people start with debt consolidation, just to realize that they need to file BK 2-3 years afterwards. Either way, the key is to reestablish your credit after an event like this. Even if you had a BK, if you follow our system, you can have a 720 credit score 5-6 sooner than waiting for that BK to fall off your credit score. Attend one of our telesemiars - for free access, contact Natalie Sanchez @ Natalie@themeg.net Joyce, I hear this often. Sometimes bankrupcy is the best course of action. Bottom line, it’s never too late to make the right decision.

I would relook at your situation to see what makes sense (Debt consolidation or BK) AND when you talk to a debt consolidation company ask them when the debt will be paid off and how much it will impact your credit.

Many people start with debt consolidation, just to realize that they need to file BK 2-3 years afterwards.

Either way, the key is to reestablish your credit after an event like this. Even if you had a BK, if you follow our system, you can have a 720 credit score 5-6 sooner than waiting for that BK to fall off your credit score.

Attend one of our telesemiars – for free access, contact Natalie Sanchez @ Natalie@themeg.net

]]> By: Philip Tirone http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-441 Philip Tirone Tue, 22 Dec 2009 00:13:17 +0000 http://www.philiptirone.com/?p=694#comment-441 Yes Charlie! Follow the 7 Steps! Although tax liens and judgements impact your credit score and will impact your ability to get loans, you absolutly need to reestablish your credit immediatly. Call Michelle Chavez at 310-453-1901 x4, for a free access to my next teleconference. Yes Charlie! Follow the 7 Steps! Although tax liens and judgements impact your credit score and will impact your ability to get loans, you absolutly need to reestablish your credit immediatly.

Call Michelle Chavez at 310-453-1901 x4, for a free access to my next teleconference.

]]> By: Philip Tirone http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-440 Philip Tirone Tue, 22 Dec 2009 00:11:54 +0000 http://www.philiptirone.com/?p=694#comment-440 Ira, All of this is in Step 6 of our program. Here is the short answer. Do not pay any collection until you follow our steps to negociate a letter of deletion with the collection company. The debt is most likly no longer the banks, and if you say the wrong thing to the colllection company, it could extend your statute of limiations. Call Michelle Chavez at 310-453-1901 x4, for a free access to my next teleconference. Ira, All of this is in Step 6 of our program. Here is the short answer. Do not pay any collection until you follow our steps to negociate a letter of deletion with the collection company. The debt is most likly no longer the banks, and if you say the wrong thing to the colllection company, it could extend your statute of limiations.

Call Michelle Chavez at 310-453-1901 x4, for a free access to my next teleconference.

]]> By: Philip Tirone http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-439 Philip Tirone Tue, 22 Dec 2009 00:08:51 +0000 http://www.philiptirone.com/?p=694#comment-439 Here is the link from December 16th - http://www.philiptirone.com/blog/living-in-your-home-wwithout-paying-your-mortgage-%e2%80%93-fair/ Here is the link from December 16th – http://www.philiptirone.com/blog/living-in-your-home-wwithout-paying-your-mortgage-%e2%80%93-fair/

]]> By: Philip Tirone http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-438 Philip Tirone Tue, 22 Dec 2009 00:08:18 +0000 http://www.philiptirone.com/?p=694#comment-438 Robert- to your point exactly, about 4% of homeoweners have successfully been converted into long-term loans... 4%! This is according to CnnMoney (http://money.cnn.com/2009/12/10/news/economy/permanent_loan_modifications/index.htm) Here's the bottom line - banks do not want your home back, which is why they are not foreclosing on people who are not making their payment - see my post from December 16th - many people are not making their payments and not being foreclosed upon... why? Becuase the banks don't want the home. Keep me posted! Robert- to your point exactly, about 4% of homeoweners have successfully been converted into long-term loans… 4%! This is according to CnnMoney (http://money.cnn.com/2009/12/10/news/economy/permanent_loan_modifications/index.htm)

Here’s the bottom line – banks do not want your home back, which is why they are not foreclosing on people who are not making their payment – see my post from December 16th – many people are not making their payments and not being foreclosed upon… why? Becuase the banks don’t want the home.

Keep me posted!

]]> By: Philip Tirone http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-437 Philip Tirone Mon, 21 Dec 2009 23:58:22 +0000 http://www.philiptirone.com/?p=694#comment-437 Malcolm, I agree, this makes no sense. There seems to be a confusion with the credit limit, vs., credit used. I would continue to communication with the Customer Service Departemnt and exlain to them that you never used the $6,000. Do this sooner than later, becuase you don't want them to report you as "30 days late." Keep me posted! Malcolm, I agree, this makes no sense. There seems to be a confusion with the credit limit, vs., credit used. I would continue to communication with the Customer Service Departemnt and exlain to them that you never used the $6,000. Do this sooner than later, becuase you don’t want them to report you as “30 days late.” Keep me posted!

]]> By: malcolm robertson http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-392 malcolm robertson Mon, 14 Dec 2009 05:55:30 +0000 http://www.philiptirone.com/?p=694#comment-392 I have a credit card bill with a bank.I was given a credit card at a sears rertail store on 02/09.The credit card had a limit of $6000.I used about $700 from this $6000,and i had paid down what i had owed.I have been told i must repay $6000,which i had never used up.I also was told by customer service it was a promotional service.I am now left with chest pains.I am mystified with this credit card problem. I have a credit card bill with a bank.I was given a credit card at a sears rertail store on 02/09.The credit card had a limit of $6000.I used about $700 from this $6000,and i had paid down what i had owed.I have been told i must repay $6000,which i had never used up.I also was told by customer service it was a promotional service.I am now left with chest pains.I am mystified with this credit card problem.

]]> By: Marshall Selph http://www.philiptirone.com/blog/a-new-face-for-credit-card-privacy-notices/comment-page-1/#comment-377 Marshall Selph Sun, 13 Dec 2009 15:06:53 +0000 http://www.philiptirone.com/?p=694#comment-377 Hi, Thanks to all who thought to explore these tactics. I've had many encounters regarding these slick tacts and always wondered how our government allowed these practices to continue interms of getting us all ripped off so to speak. It's very enlightening to see that something is being done to aid us the general public. Again thanks for this piece of information. Marshall Hi,

Thanks to all who thought to explore these tactics. I’ve had many encounters regarding these slick tacts and always wondered how our government allowed these practices to continue interms of getting us all ripped off so to speak. It’s very enlightening to see that something is being done to aid us the general public. Again thanks for this piece of information.

Marshall

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