[94B]

Originally Posted by chane

We all want them to follow the law, but they don't. They violate our federal rights on a daily basis.

They don't follow the law because consumers do not hold them accountable. One of the ways to do that is keeping a papertrail(proof), learning/researching the law and then applying it to your situation .

Originally Posted by chane

They know they can get by with it 99.9% of the time. They know most consumers won't sue them. And when they do, their lawyers handle it outside of court.

The reason they can get by with it is because majority of the consumers don't know their rights let alone when their rights are being violated. And quite frankly don't care. Generally when things get settled outside of court is because CRA's do not want CL's established against them and for the consumers.

Originally Posted by chane

So, unless you plan on tracking everything, hiring a lawyer and suing them, it's completely unnecessary to use certified mail. You may think you're going to sue them, but it will take months of your time. Your lawyer will try everything in his power to get you to settle. In the long run, it's really not worth your time and they know this.

Having paper trail(proof) doesn't always equate to litigation. Some times having paper trail will be enough for a consumer to reach someone at the top, who is in the position to do what is necessary that it doesn't reach the level of litigation. But without proof you really don't have much to go on.

Originally Posted by chane

I'm not saying you should "kiss their ass", but I think all of the empty threats of litigation, the quoting of case law and the certified mail is a little over the top. Thousands of people try these fancy credit repair techniques that they learned online by these so called "credit repair experts" that are either outdated or simply unnecessary...and they simple don't work. They don't give two shits about your threats for the reasons stated above. So, pissing them off is really not wise.

Not sure how you came up with the statements above from my post alone. I never suggested that someone spew out empty threats of litigation or case laws. I made it clear in my post that if you intend to threaten legal action, make sure they follow through with it, otherwise utilize a different method/

I will leave your "fancy credit repair techniques that they learned online by these so called "credit repair experts" that are either outdated or simply unnecessary...and they simple don't work" comment alone since I have no idea what you are referring to.

Originally Posted by chane

Asking someone nicely to do something will go a lot further than demanding that they do it.

CRA's are NOT our(consumers)friends first and foremost. Their clientele includes OC/CA/JDB's.

Demanding?? Who said anything about that. I am of the opinion that if you have proof, it will go alot further in getting the results you want than a CRA vs Consumer situation(he said she said).

Here's an example of situation without any proof:

Consumer- Yes, hello....Its been over 30 days and I have not received the result of my disputes. My credit report number is XXXXXXXXXX.

CRA- We didn't receive your dispute, we have nothing in our file regarding your dispute.

Consumer- Well I sent it over 30 days ago.

CRA-Well we didn't get your request for an investigation, you might want to go check with your post office.There's nothing we can do.

Consumer- Umm, Umm well then you if you say so then it must be true. But I sent it, I really did. Oh well don't worry because being the nice consumer that I am, I will just send in another request for investigation after all I don't have any PROOF anyways.:rolleyes:

I am sorry but the reasons you list for not sending the disputes CM is not a chance I am willing to take. In my experience, having sent disputes CM has been worth it and not unnecessary as you claim. And I didn't have to threaten litigation especially when I had proof and they were just simply WRONG.