Comments on: Change the Credit Laws! http://www.philiptirone.com/change-the-credit-laws/change-the-credit-laws/ Credit Scoring Expert speaks candidly about his personal growth and asks respected writers to share content to help others improve their life. Sat, 11 Feb 2012 00:42:40 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: Merritt Jones http://www.philiptirone.com/change-the-credit-laws/change-the-credit-laws/comment-page-1/#comment-2522 Merritt Jones Thu, 09 Feb 2012 07:38:17 +0000 http://www.philiptirone.com/?p=598#comment-2522 I think this what happened I was contacted by Central Credit Svc Inc, 9550 Regency Square Blvd Ste 602 Jacksonville, FL 32225 Phone 888-904-1800 about amount of $6,118 to TOYOTA MOTOR LEASING Regarding account number: 7040316360139XXXX. I got mad at them and told them that it is illegal in the state of Texas but the account was in Virginia in the year of 2007 and they went to a judge and got an order. I have an apartment with section 8 so I pay only 250.00 per month but I do not think they will leave me any money. I called Central Credit one week ago to send them a letter of deletion and they hung up on me. Please send someone who can help me. I think this what happened I was contacted by Central Credit Svc Inc, 9550 Regency Square Blvd Ste 602 Jacksonville, FL 32225 Phone 888-904-1800 about amount of $6,118 to TOYOTA MOTOR LEASING Regarding account number: 7040316360139XXXX. I got mad at them and told them that it is illegal in the state of Texas but the account was in Virginia in the year of 2007 and they went to a judge and got an order. I have an apartment with section 8 so I pay only 250.00 per month but I do not think they will leave me any money. I called Central Credit one week ago to send them a letter of deletion and they hung up on me. Please send someone who can help me.

]]> By: Lee http://www.philiptirone.com/change-the-credit-laws/change-the-credit-laws/comment-page-1/#comment-2129 Lee Sat, 19 Feb 2011 14:52:47 +0000 http://www.philiptirone.com/?p=598#comment-2129 Good day, I agree that one's credit score is highly leveraged toward business interests. Every business in the world enjoys the privilage of threats involving a bad credit report. However, businesses such as utilities, housing, medical care and state agencies do not share in the responsibility of reporting good accounts as a percentage of one's favorable to non-favorable total credit history. Thank you, Good day, I agree that one’s credit score is highly leveraged toward business interests. Every business in the world enjoys the privilage of threats involving a bad credit report. However, businesses such as utilities, housing, medical care and state agencies do not share in the responsibility of reporting good accounts as a percentage of one’s favorable to non-favorable total credit history. Thank you,

]]> By: Angel http://www.philiptirone.com/change-the-credit-laws/change-the-credit-laws/comment-page-1/#comment-901 Angel Thu, 20 May 2010 02:36:48 +0000 http://www.philiptirone.com/?p=598#comment-901 BOA failed to credit my account acorrding to there policy. I made a tranfer according to another account the tranfer dissappeared. I had bills that were due out of my account. I called the bank to verify that the tranfer even existed they told me that there was no record of any such transaction so I made another transfer then paid all my bills. That night not only did the ghost transfer go through but the second transfer went through causing a major over draft in my accounts. I brought a screenshot of second the transaction showing that the inital transaction did not exist therfore I did it again after speaking with a banker. $867 later in over draft charges the bank declars that they are not at fault. I should have written it down as my proof. Well I came back with there policy on online transactions. They still refused to reverse the charges. And today it is on my credit because I REFUSE to pay them for their error. BOA failed to credit my account acorrding to there policy. I made a tranfer according to another account the tranfer dissappeared. I had bills that were due out of my account. I called the bank to verify that the tranfer even existed they told me that there was no record of any such transaction so I made another transfer then paid all my bills. That night not only did the ghost transfer go through but the second transfer went through causing a major over draft in my accounts. I brought a screenshot of second the transaction showing that the inital transaction did not exist therfore I did it again after speaking with a banker. $867 later in over draft charges the bank declars that they are not at fault. I should have written it down as my proof. Well I came back with there policy on online transactions. They still refused to reverse the charges. And today it is on my credit because I REFUSE to pay them for their error.

]]> By: Anna http://www.philiptirone.com/change-the-credit-laws/change-the-credit-laws/comment-page-1/#comment-799 Anna Fri, 14 May 2010 18:20:18 +0000 http://www.philiptirone.com/?p=598#comment-799 Last night my fiance tried to purchase a car. After they ran his credit he was denied because he had a repossession on his credit report. As it turns out, his now ex-wife, but at the time of the repo, they were still married, told him that she sold the car. When in reality she didn't make any of the payments on it and it was repossed. She had already purchased a car only in her name before she stopped paying on the car that had both their names on it. She purposely had the car repossessed just to mess with his credit. He has been told there is nothing he can do about it since it was in both their names. Even if he sues her civally for damages she caused by not paying on the car, they credit bureaus will not remove it from his credit. He was told it will stay on there for 10 years! Last night my fiance tried to purchase a car. After they ran his credit he was denied because he had a repossession on his credit report. As it turns out, his now ex-wife, but at the time of the repo, they were still married, told him that she sold the car. When in reality she didn’t make any of the payments on it and it was repossed. She had already purchased a car only in her name before she stopped paying on the car that had both their names on it. She purposely had the car repossessed just to mess with his credit.

He has been told there is nothing he can do about it since it was in both their names. Even if he sues her civally for damages she caused by not paying on the car, they credit bureaus will not remove it from his credit. He was told it will stay on there for 10 years!

]]> By: RC http://www.philiptirone.com/change-the-credit-laws/change-the-credit-laws/comment-page-1/#comment-519 RC Mon, 25 Jan 2010 02:06:14 +0000 http://www.philiptirone.com/?p=598#comment-519 I had a BK in May 2009 due to a failed medical spa I had built. I did not declare my home in the BK and kept making my mortgage payments each and every month. I have never been late. On my Equifax and Experian credit reports they have my mortgage listed as discharged in the BK. I wrote a letter per the program along with copies of a year worth of statements and cancelled checks as proof. They both responded that my claim was denied even with the proof and that I should contact my mortgage company if I have any further issues. My mortgage company does not seem to know that I exist even though they cash my check each month. I am not discouraged and I will continue to fight, I was just wondering if there is other legal recourse? Even with proof they simply and only listen to the mortgage company even when they are wrong! I had a BK in May 2009 due to a failed medical spa I had built. I did not declare my home in the BK and kept making my mortgage payments each and every month. I have never been late. On my Equifax and Experian credit reports they have my mortgage listed as discharged in the BK. I wrote a letter per the program along with copies of a year worth of statements and cancelled checks as proof. They both responded that my claim was denied even with the proof and that I should contact my mortgage company if I have any further issues. My mortgage company does not seem to know that I exist even though they cash my check each month. I am not discouraged and I will continue to fight, I was just wondering if there is other legal recourse? Even with proof they simply and only listen to the mortgage company even when they are wrong!

]]> By: Claudia http://www.philiptirone.com/change-the-credit-laws/change-the-credit-laws/comment-page-1/#comment-460 Claudia Mon, 28 Dec 2009 16:20:14 +0000 http://www.philiptirone.com/?p=598#comment-460 I, like many others have been trying to clean up my credit mistakes. I've paid off various collections only to have them pop back up on my credit report from a new collections agency. Then, theres those cases where I've paid old collections off and my score only got worse. For the past year and a half, I havent had any late payments on my credit cards. However, my score is still being affected by the one late payment I had months ago for a car note I had just missed. This account has been paid off yet that one late payment has jeopardized my creditworthiness. I'm not saying people shouldn't face the consequences for their actions but, its unfair when we are taken advantage of! I, like many others have been trying to clean up my credit mistakes. I’ve paid off various collections only to have them pop back up on my credit report from a new collections agency. Then, theres those cases where I’ve paid old collections off and my score only got worse. For the past year and a half, I havent had any late payments on my credit cards. However, my score is still being affected by the one late payment I had months ago for a car note I had just missed. This account has been paid off yet that one late payment has jeopardized my creditworthiness. I’m not saying people shouldn’t face the consequences for their actions but, its unfair when we are taken advantage of!

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