Just curious

[rizzorizzo]

With all these credit repair companies out there that are charging for their services I'm wonder if there are people who work for the CBA that charge to remove negative items from your credit report. Has anyone heard of such resources? If people are willing to pay thousands of dollars to have someone dispute items for them why is it inconceivable that there isn't someone working for the CBA willing to get in on the action.

[jjgross]

Originally Posted by rizzorizzo

With all these credit repair companies out there that are charging for their services I'm wonder if there are people who work for the CBA that charge to remove negative items from your credit report. Has anyone heard of such resources? If people are willing to pay thousands of dollars to have someone dispute items for them why is it inconceivable that there isn't someone working for the CBA willing to get in on the action.

That's called being dishonest and your conspiring with another to illegally remove a credit file.Hey i want my credit clean but I'll do it the legal way,after all i made the mistake.

[rizzorizzo]

Originally Posted by jjgross

That's called being dishonest and your conspiring with another to illegally remove a credit file.Hey i want my credit clean but I'll do it the legal way,after all i made the mistake.

From reading this site it appears that some of the advice attempts the same thing "remove a credit file" . For most it is a legitimate blight against their credit history, yet, they are paying credit repair companies to possibly remove these items through a loophole in the law. Either way it is better to pay for a guaranteed result than an uncertain one.


I don't want to argue legalities or morality here. This is America. If there is a demand then there is someone willing to supply. Whether it be SSN's, alcohol(underage), green cards, drugs , weapons, laws, new identities, sex, electronics, cheap labor, credit repair, second chances etc. If there is a will there is a way. That's the way the free market system works(legally or illegally);morally or immorally).

[jjgross]

Originally Posted by rizzorizzo

From reading this site it appears that some of the advice attempts the same thing "remove a credit file" . For most it is a legitimate blight against their credit history, yet, they are paying credit repair companies to possibly remove these items through a loophole in the law. Either way it is better to pay for a guaranteed result than an uncertain one.


I don't want to argue legalities or morality here. This is America. If there is a demand then there is someone willing to supply. Whether it be SSN's, alcohol(underage), green cards, drugs , weapons, laws, new identities, sex, electronics, cheap labor, credit repair, second chances etc. If there is a will there is a way. That's the way the free market system works(legally or illegally);morally or immorally).

I wasn't arguing morals but bribery is against the law,nobody here is offering illegal advice,All iwanted when i started was to have my credit file report the truth,nothing I've done is illegal nor dishonest,you expect something important as your credit report to be 100% accurate and if it isn't then it shouldn't be reported.

[chane]

Originally Posted by rizzorizzo

With all these credit repair companies out there that are charging for their services I'm wonder if there are people who work for the CBA that charge to remove negative items from your credit report. Has anyone heard of such resources? If people are willing to pay thousands of dollars to have someone dispute items for them why is it inconceivable that there isn't someone working for the CBA willing to get in on the action.

It's CRA (credit reporting agency), not CBA.

Most credit repair companies don't charge thousands of dollars. The one I often refer people to charges a $99 and $39 per month. Most of them are around the price range.

I heard that employees are not allowed to look at their own credit files or their families. I think they are strictly only allowed to look at who they are told to look at. I don't think they could just search the database and find someone and remove items for them. I think they'd get fired immediately. I also heard that the CRAs only hire people with outstanding credit scores.

[chane]

Originally Posted by rizzorizzo

From reading this site it appears that some of the advice attempts the same thing "remove a credit file" . For most it is a legitimate blight against their credit history, yet, they are paying credit repair companies to possibly remove these items through a loophole in the law. Either way it is better to pay for a guaranteed result than an uncertain one.


I don't want to argue legalities or morality here. This is America. If there is a demand then there is someone willing to supply. Whether it be SSN's, alcohol(underage), green cards, drugs , weapons, laws, new identities, sex, electronics, cheap labor, credit repair, second chances etc. If there is a will there is a way. That's the way the free market system works(legally or illegally);morally or immorally).

We have never taught anyone to "remove a credit file". We offer advice on how to dispute and remove items on your file, but not to remove the whole file.

Legitimate blight? Did you know the CRA's are not government agencies? They are for-profit businesses. Your creditors VOLUNTARILY report to them. They don't have to by law, it is 100% completely voluntary.

The FCRA is hardly a "loophole" in the law. It gives us the right to know what's being reported against us by our creditors. It also gives you the right to dispute any information on your credit report that may be inaccurate, untimely, misleading, incomplete, ambiguous, unverifiable, or unclear (questionable).

The FCRA makes it so that the CRA bears the burden of proof. If they are going to report it, it must be true and they must be able to prove it. That is 100% completely fair since it can cause you massive financial damage. So, how is that a "loophole"?

We are just informed, responsible consumers. To suggest that we are somehow doing something illegal, unethical or othewise is offensive.

The CRA's want you to believe that what they report about you is somehow "official" like they are some sort of government agency. They're not. They simple collect YOUR information (without your permission) and SELL it to other companies.

Find out the Truth About Credit Reporting Agencies so that you too can understand what's actually going on. I wrote this article myself.

[rizzorizzo]

Chane.

Thanks for the corrections. I'm not suggestion that anyone on this site is doing or encouraging anything illegal, unethical or immoral. What I'm am saying is that from reading some of the posts the hope is that the CRA will be unable to verify 30 days. I would think that with so many people disputing so many things that the CRA would be so overwhelmed that they miss the deadline.

I appreciate the info you provide here. I've heard folks who have paid thousands of dollars to "repair their credit reports". I've never understood that especially when you can do it from $99.99 to $39.95 a month. I guess those folks aren't aware of sites like this one.

[jjgross]

Originally Posted by rizzorizzo

Chane.

Thanks for the corrections. I'm not suggestion that anyone on this site is doing or encouraging anything illegal, unethical or immoral. What I'm am saying is that from reading some of the posts the hope is that the CRA will be unable to verify 30 days. I would think that with so many people disputing so many things that the CRA would be so overwhelmed that they miss the deadline.

I appreciate the info you provide here. I've heard folks who have paid thousands of dollars to "repair their credit reports". I've never understood that especially when you can do it from $99.99 to $39.95 a month. I guess those folks aren't aware of sites like this one.

What they hope for is a quick fix,when they pay to have it done,like trying to find that loan for there house in a hurry.Like in any business there's a lot of scammers that will take the money and run.Credit repair is a time consuming project,and all of us here has had horrible credit.Imagine in this day and age not being able to get a credit card to rent a car, book a flight,book a room.So it is a major concern,but the fdcpa,tila were passed you had no recourse to defend your self against creditors who had an ax to grind,Didn't mean to sound harsh with you,but it did strike me wrong.