Bad Credit Report-Equifax HELP?
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JohnnyWadd, I'd give it another 2 to 3 years before you have a complete meltdown which will be topped off by you walking into your workplace and blowing a few people away.
johnnyhandsome said:JohnnyWadd, I'd give it another 2 to 3 years before you have a complete meltdown which will be topped off by you walking into your workplace and blowing a few people away.
Listen man, #1 you don't me so don't be saying something idiotic like that! This is a fucking internet forum so just because I write what I feel don't take everything so serious and rather with a "grain of salt"
As far as walking into a workplace and blowing a few people away? Maybe in your little world.
But when I point the finger at some rat bastard on here and they have no proof
of an issue involving the credit bureau, then the hell with them, I'll let them know about it from what information I've gathered!
Two things:
1) You can get stuff removed off your record if the creditor is somehow at fault
2) It takes so damn long it likely won't help
I made some large purchases at a dept. store once and got a discount on the price by agreeing to sign up for their credit card, and put the payment on that, no interest for awhile, etc., fine I thought. But then they never mailed me the card, a bill, or anything else. I called them repeatedly asking what was up, they kept promising to mail. Rather than waiting I still went by the store and made payments now and then--but I never knew how much I should pay, or whan it was due, so I'd just guess. Eventually I got pissed off and paid off the whole amount--I never did receive a bill or the card. Ever.
Apparently I must have been a few days off on my guessing, because a couple of years later I am renewing my mortgage and I find that there are two under 30 day late payment charges from this company on my credit record; not very serious but given the situation it really pissed me off. I called the company and after a lot of phone calls they admitted it was their fault, and wrote me a letter to that effect, sending a copy to each of the bureaus.
Guess what? It *still* took five months for the bureaus to "investigate" the case and remove the late payment notes on my file--even with a letter from the creditor admitting that it had been the creditor's fault. By the time it came off my file my mortage had long since been renewed.
Fortunately, late payment is a minor thing; had it been a more serious error on their part I would have been screwed.
1) You can get stuff removed off your record if the creditor is somehow at fault
2) It takes so damn long it likely won't help
I made some large purchases at a dept. store once and got a discount on the price by agreeing to sign up for their credit card, and put the payment on that, no interest for awhile, etc., fine I thought. But then they never mailed me the card, a bill, or anything else. I called them repeatedly asking what was up, they kept promising to mail. Rather than waiting I still went by the store and made payments now and then--but I never knew how much I should pay, or whan it was due, so I'd just guess. Eventually I got pissed off and paid off the whole amount--I never did receive a bill or the card. Ever.
Apparently I must have been a few days off on my guessing, because a couple of years later I am renewing my mortgage and I find that there are two under 30 day late payment charges from this company on my credit record; not very serious but given the situation it really pissed me off. I called the company and after a lot of phone calls they admitted it was their fault, and wrote me a letter to that effect, sending a copy to each of the bureaus.
Guess what? It *still* took five months for the bureaus to "investigate" the case and remove the late payment notes on my file--even with a letter from the creditor admitting that it had been the creditor's fault. By the time it came off my file my mortage had long since been renewed.
Fortunately, late payment is a minor thing; had it been a more serious error on their part I would have been screwed.
Awww....poor Johnny, can't get what he wants, so he starts attacking. Actually, he has sent me a PM laced with obscenities and bragging about how he actually DOESN'T need his credit bureau fixed. If that's true, then why did he start this thread?rubmeister100 said:100% bullshit?
Nope there is a "trade secret" process.
Bobzilla, if you will, confirm that it has to do with "response time".
You're such a nice "stand up guy" Johnny. I can't imagine why nobody wants to help you...
Yes, there IS a way to do it. Johnny doesn't understand why I don't tell him how. Can you imagine if this knowledge got into general circulation? How many people WOULDN'T fix their credit ratings with no consequences to them? What Johnny Knob doesn't get is I'm not about give this info to some bozo that I've never even met!! If he wants to think this means I don't know how to do it, then fine. I really don't care what he thinks, let him enjoy his crappy credit rating. Cue the part where Johnny posts telling us all that he has money coming out his wazoo & doesn't need credit....
Can you please write johnnywadd instead of just Johnny, I dont want my name to be confused with our little headbanger friend.Bobzilla said:Awww....poor Johnny, can't get what he wants, so he starts attacking. Actually, he has sent me a PM laced with obscenities and bragging about how he actually DOESN'T need his credit bureau fixed. If that's true, then why did he start this thread?
Yes, there IS a way to do it. Johnny doesn't understand why I don't tell him how. Can you imagine if this knowledge got into general circulation? How many people WOULDN'T fix their credit ratings with no consequences to them? What Johnny Knob doesn't get is I'm not about give this info to some bozo that I've never even met!! If he wants to think this means I don't know how to do it, then fine. I really don't care what he thinks, let him enjoy his crappy credit rating. Cue the part where Johnny posts telling us all that he has money coming out his wazoo & doesn't need credit....
johnnyhandsome said:Can you please write johnnywadd instead of just Johnny, I dont want my name to be confused with our little headbanger friend.
Sure plug, whatever. Now I'm a headbanger? Yes, you really do know me now, good lord!
The only thing confusing is whether you should really be named Johnnyhandsome or Johnnyhandjob.
Get a life loser.
Bobzilla said:Awww....poor Johnny, can't get what he wants, so he starts attacking. Actually, he has sent me a PM laced with obscenities and bragging about how he actually DOESN'T need his credit bureau fixed. If that's true, then why did he start this thread?
Yes, there IS a way to do it. Johnny doesn't understand why I don't tell him how. Can you imagine if this knowledge got into general circulation? How many people WOULDN'T fix their credit ratings with no consequences to them? What Johnny Knob doesn't get is I'm not about give this info to some bozo that I've never even met!! If he wants to think this means I don't know how to do it, then fine. I really don't care what he thinks, let him enjoy his crappy credit rating. Cue the part where Johnny posts telling us all that he has money coming out his wazoo & doesn't need credit....
Hey moron, I already said if you are so brave with calling me a knob or bozo on here, let me hear it off the board, fair enough?
As for assuming anything about me, I couldn't give a rats ass what you think and you already proved your trade secret is BULLSHIT! I found out from someone above you in the industry that it ISN'T possible! So you can spew all the BULLSHIT you want since you have NO secret you fag.
And finally FRAUDZILLA, who said I had a crappy credit rating?
And just for you FRAUDZILLA, cue this up again!
I TIP MORE THEN YOU HAVE CASH YOU COWARD!
JohnnyWadd, ladies & gentlemen...living proof that Darwin was right!!Johnny Wadd said:Hey moron, I already said if you are so brave with calling me a knob or bozo on here, let me hear it off the board, fair enough?
As for assuming anything about me, I couldn't give a rats ass what you think and you already proved your trade secret is BULLSHIT! I found out from someone above you in the industry that it ISN'T possible! So you can spew all the BULLSHIT you want since you have NO secret you fag.
And finally FRAUDZILLA, who said I had a crappy credit rating?
And just for you FRAUDZILLA, cue this up again!
I TIP MORE THEN YOU HAVE CASH YOU COWARD!
COWARD!Bobzilla said:JohnnyWadd, ladies & gentlemen...living proof that Darwin was right!!
Oh as we refer to you as the resident dim-wit! right COWARD?Bobzilla said:That means so much coming from you, half-wit!!
No surprise there, you are always thinking in " inches " aren't you Johnnyhandjob?johnnyhandsome said:Just out of curiosity but how long is your hair, johnnywadd??
In inches, please.
But you didnt answer my question, Jwadd. So lets try that again, shall we.Johnny Wadd said:No surprise there, you are always thinking in " inches " aren't you Johnnyhandjob?
Since you were thinking in "inches" I believe I did answer your question johnnyhandjob! I know you want a guy to elaborate on the topic of "inches" but it's not my thing, apparently it is yours though.johnnyhandsome said:But you didnt answer my question, Jwadd. So lets try that again, shall we.
Ask another dude about his inches and leave me alone ya freak.
Compliments on the grammar and your sparkling prose...keep posting, since you're proving everything I said about you!Johnny Wadd said:Oh as we refer to you as the resident dim-wit! right COWARD?
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