Republicans supported the insurance companies who cried that a “public option” would have been unfair to them?

Dec 022011
 
Insurance
byManitoba Historical Maps

I guess they think that being able to pull out of the “child only” insurance market is fair?

The insurance companies’ concern that some parents refusing to cover children until they get sick is valid. So, establish an open enrollment period, where you can only sign up for insurance during that time frame.

Pulling out of the child-only insurance market sure isn’t fair – to the children that is. But, Republicans aren’t screaming about that.

Does that mean they’re on the side of the insurance companies and not the children?

Re: Removal dates

Mar 152010
 

hello all,

 

i have a couple question.

 

I was wondering i owed one credit card and it have a bad report with the OC and it was charged off so i have another bad marks on my CR  with a CA also, and the collection agency sold it to another CA, how do i caculate the time frame it will fall off, do i caculate when the first DOFD with the OC?

 

and after the 7 1/2 year have passed does the bad marks on my CR automatically fall offs? or do i need to ask it to be removed?

 

and what if they dont remove the bad report on my credit reports after 7 1/2 years ? what should i do?

Equifax Dispute – 30 days or 45 days?

Feb 282010
 

Long story short:

1. I pulled my free Equifax credit report and also paid for my Equifax report on the same day.

2. I disputed an account on my Equifax report using information from and copies of the report I PAID for – I used nothing from the free report for the dispute.

3. Equifax failed to respond within 30 days. I asked Equifax to remove the disputed account.Equifax responded stating “Your dispute with Equifax was done within the time frame.”

4. I complained to the Office of Consumer Affairs, Equifax responds by stating “Under Section 612 (a)(3) of the FCRa, Equifax is given 45 days to complete an investigation on disputes made after a consumer receives their annual free credit file.”

 

The FCRA definitely uses the word “receiving”. However if I also PAID for my report, and used information & copies of the PAID report for the dispute, does Equifax still get 45 days? 

 

Thanks for reading this! 

 

not fer nuthin’ but "paying more than the minimum" means next to nothing

Feb 232010
 

This is not news but so many recent posts seem to hinge on this dubious distinction that it is high time to post a reminder that ’paying more than the minimum’ does NOT necessarily protect one from much of anything, it depends on the actual numbers.

 

For eg., paying a minimum of 6% of outstanding balance can be a much more relevant way to gauge payment history record, as currently citibank for eg., will grade a payment of about 6% of outstanding balance as "very good" or "excellent" and grade down from there.   

 

In too many cases, just paying a little more than the minimum, may not be enough to get out of debt in a reasonable time frame and is not an effective way to contextualize debt/ payment…this type of thinking may in fact overexpose one to AA…better off using a yard stick the issuer may use in the current climate IMHO.

Any idea how I would prove I never lived at a certain address on my credit file?

Feb 032010
 

Recently I had to unknown unexpected collections pop up on my TU file and I have disputed those. I never recieved a dunning letter for eithr one of them and though that perhaps the listing was posted on my report in error as I have a very common name and it had happened before.

 

Well now the listings have been posted on EX as well and fortunately EX gives an address identifier code or what ever it is called. Well sure enough the indentifier is for an address I have NEVER lived at. I tried to dispute the information with EX put got the message something like “you can not dispute that information because it was supplied to us by a creditor. Please contact the creditor directly for assistance”

 

Being that the creditor is a collector in this case and collectors tend to be a holes. How can I prove I did not live at the address in question?

 

I have lived at my current address for 5 years now and this collection took place during that time frame.

 

Would a statement from my current landlord work?

 

Something from the DMV maybe?

Home preservation seminar is Jan. 30

Jan 242010
 

Home preservation seminar is Jan. 30
The Washoe County Senior Law Project will present a free seminar in Carson City concerning home preservation. The seminar will go over issues such as the time frame of the foreclosure process, discussing common options that are available from your mortgage company. A question and answer session will be provided at the end for more specific concerns. The seminar is scheduled for 10 a.m.-3 p.m …

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