Posts Tagged ‘opinion’

Hard Inquiries from an Unlicensed CA

So, I've been having a mental battle about what to do with my plethora of inquiries.  Almost all of them are from CAs and, it seems, are PP.  However, I have a few that ran hard inquiries two or three times in a month (same CAs).  In my opinion this is defamation and willful injury.  I have been considering the Pay Me Succa letter, with a modification for D&WI.    That's when I discovered that several of said CAs aren't licensed to practice in New York.  Do I have a leg to stand on with the combination of defamation, willful injury and not being licensed?   I do know all about the argument that inquiries only count for a year and go away after two.  That's not what this posting is about.  I'm respectfully requesting no advice on that topic.  Please and thank you.  :smileyhappy:   My Credit Saga;       Message Edited by TheCakeGirl on 03-08-2010 10:03 AM

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Need Assistance

I have an old Ford account that is just killing my Ex. score.  It is my opinion that they have been using the incorrect DOFD, so I disputed with Ex. It came  back verified.  But they also reaged the CO date from 2/2006 to 2/2010.  This dropped my FAKO about 70 points. I then redisputed, and included a letter from Ford I found around the house.  It's an old letter informing me the account is past due.  When I redisputed with Ex, I shot a letter to Ford asking them to investigate the matter (DOFD) internally

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New Credit Card Act

hi guys i just want to ask your opinion regarding the new credit card act which will be implemented few weeks from now. Are there any disadvantages in this new consumer protection law? Message Edited by studentcredit on 02-08-2010 10:49 PM

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