Chip in or let the credit bureaus and collectors win!
I’m sure you noticed the new LARGE Chip In donation graphic in the right column.
Today I added up my recurring expenses for the websites, DSL, legal research and related expenses and I’m looking at $500/month right there.
That’s before filing fees, 500 mile round trips to Phoenix and motel for court hearings, postage, paper, ink, hardware, software and all that STUFF I constantly have to order.
The other day I changed my billing info at Endicia and noticed that I’ve spent over $1,500 on postage—99% is for courtesy filings to the judge and lawsuit related mailings.
The Experian depositions in 2006 cost me over $3,500.
Then Experian filed my unredacted credit reports for download by the public and after judge Broomfield denied my 3rd motion to get those reports removed, I had no choice but to offer dismissal with prejudice in exchange for sealing my credit reports.
The 9th circuit court of appeals filings.
I think it was in 2001 when I discovered that Capital One’s failure to report the credit limits could devastate FICO scores.
I filed complaints with the FTC and the Federal Reserve Bank of Richmond and they ignored complaints. In 2003, I finally sued them all, including James McAffee, the FRB Richmond VP and senior legal counsel. Of course they were dismissed, I didn’t have the SLIGHTEST clue. Back then, the court filings weren’t on PACER and I had no legal resources at all.
In 2004, I sued Equifax and Cap One again.
Judge Wake, a mean SOB who had just been appointed by President Bush, admitted that the missing credit limits lowered my FICO scores. He dismissed ALL my claims anyway, stating that the FCRA didn’t specifically require that the credit limits be reported. That moron doesn’t know the meaning of “complete and accurate.”
The 9th circuit court of appeals filings.
I just noticed that I hadn’t uploaded my reply brief yet and my closing paragraph sums it up perfectly:
…
Seeking justice in the courts has been the most frustrating and stressful experience one can imagine. Regardless of this Court’s rulings, Baker lost years of her life. It is time to proceed to the final stage, documenting the legislators’ actions and writing the book to tie it all together: the corruption of the corporations, their executives, their lawyers, their employees, the legal system, the judges, the legislators and the presidential candidates.Respectfully submitted this 21st day of June, 2007.
I wonder if the appeals court is REQUIRED to rule within a certain time period. I keep checking PACER to see if the ruling got misdelivered, but just checked again and still nothing. I raised a number of issues regarding evidence (admissibility of credit report) and of course the many lawyer lies, but it’s not THAT complicated!
And if nothing else, I thought for sure I’d prevail on the issue of the credit limit. After all, Capital One has been reporting the credit limits since last summer, after FINALLY class actions were filed against the CRAs. In those cases, the consumers didn’t even dispute, the claim was based on the maximum accuracy requirement.
In my case, I had actually sent copies of my account statements to the CRAs with my disputes and I had disputed numerous times. I don’t just lose in court because I’m not a lawyer, I get railroaded by crooks in robes.
But it still was MY research, my calls to Barry Paperno at Fair Isaac and my litigation that ultimately got the lawyers to file the class actions.
FYI, no consumer lawyer has ever given me as much as one penny.
I’ve long lost count of how many lawyers I’ve talked with on the phone about Capital One and FICO scores. I even get Christmas cards from law firms.
I’m on mailing lists from lawyers who give credit advice as part of their marketing. One time I responded that I’d be happy to review their mailings for a few dollars. I didn’t get a reply and the next mailing was just as horrible.
There are SO MANY systemic problems, from incomplete reports (addressed in my active suit against TU), student loan reporting, TU’s missing date closed, FICO scores ignoring the collection dispute notices entirely and creating fictious late payments, etc. etc.
As regular readers know, I’ve been advocating credit card defaults by judgment-proof consumers with large unsecured debts.
I’ve learned a lot about banking and how money is created and I hope you will watch The Money Masters and read Web of Debt at the new RESISTANCE forum.
I’ll be 50 this summer. I was going to write a book last winter and didn’t even get started. My house is still unfinished. I’ve stopped paying several of my credit cards and posted my open letters to the banks at http://mylitigation.net/.
I’m so busy with the ongoing litigation against the CRAs and NCO and TU is bombarding me with filing after filing.
I just posted my motion regarding TU’s objection to my amended complaint with claims of tortuous interference with contractual relations and unjust enrichment.
Since TU blatantly refused to correct my client’s reporting last fall, I’ve had no choice but to tell potential clients that it is likely that the CRAs will NOT correct even after multiple disputes. I’m not very enthusiastic about my credit work. Last year, I constantly had to tell people that I was too busy. This year, I’ve had exactly ONE client order the credit analysis. Of course I have plenty of things to do and I’m not sitting around bored, but Joshua trees don’t grow money.
It’s up to you to decide where this should go. I’m out of money.
While the CRAs never corrected everything, they all became a lot more difficult over the last year and it seems that they do know how to really bring the FICO scores down with just one incorrect piece of data.
I also noticed that they have become more confident than ever in court, TU submitted the dismissal of a suit by a Phoenix lawyer with its motion for judgment.
I just recently told NCO what I thought about settling.
Maybe I should have tried to settle.
While on that subject, my only CRA settlement offer was $250 back in 2001 when I first sued TU in small claims and Experian might have offered a few bucks too, but I declined. I settled with the AZ affiliate after they no longer were involved in credit reporting, but the big 3 never made an offer since I filed in federal court in 2003.
Capital One spent $100,000 to get their dismissal from the 2004 suit. They never submitted a settlement offer. I suppose they know that I’m not in it for the money. And they probably did NOT expect that I would appeal and continue to file lawsuits.
But now I’m exactly where they want me to be.
Worn out, tired, broke.
Over 2000 people access this blog every day and you bet the CRA, creditor and collection lawyers are some of my most loyal readers.
The link to the donation page got me about $330 in over a year. About half of that was from 2 readers who donated repeatedly.
I can’t litigate against the world’s most powerful corporations on $25/month.
If YOU don’t care about these suits, why would I?
It’s up to you to vote with your money,
Christine
“"Judge Wake, a mean SOB who had just been appointed by President Bush, admitted that the missing credit limits lowered my FICO scores… That moron doesn’t know the meaning of “complete and accurate.”
You know, Judge Schwab was also a Bush appointee
and he informed us that the law requires the reporting to be “accurate and appropriate”.
Maybe it’s something in the water they drink?
Well, I hear a lot of bad things about city water in general.
I want to thank you and the 3 other contributors very much! Unfortunately, the counter on the page here isn’t working and I just emailed support. 4 people donated a total of $195! 3 of the donors have been long time readers and/or previous donors.
I just checked the stats for this site. In April, I had 70,100 sessions and 282,348 page views. There’s no way to tell how many people read since many readers are visiting the site regularly. I can’t wait to see what happens next.
I also hope to find the time to start summarizing my many projects, we’ll see. Today I’ll update the left column with my perjury police report about NetZero lawyer Keith Knochel. He ADMITTED perjury in writing, but apparently the Mohave County attorney is doing NOTHING. And NetZero has yet to refund the money it stole from my credit card for a year after I cancelled.
It is all so outrageous. It seems like EVERYBODY just steals my money. Dish, DirecTV, NetZero, yesterday I posted about the Frontier $100 modem scam. I just don’t understand it, even when I sue them they don’t even refund. Equifax never paid the $50 for the cost of service awarded by the court last year.
So the question now is what the other thousands of readers will do to support consumer credit litigation.
Thank you for your support!
Christy,
I just discovered your site today. I needed this a long time ago in my life, however, I’m thankful our paths have crossed. You know, with all you have going on, have you ever considered running this site as part of a non-profit organization so you can receive grants from all levels of government and private corps? Just with the small amount I have going on in my mind to help, I have been thinking once I get it together, I’m going to go that route because it does take a helluva lot of money just to constantly dispute and fight it out in courts on an individual level. I was giving to Barack’s campaign, but I feel this is a much more worthwhile cause. I’m not by any means financially fit, but at the same time as I learn I wish to enlighten others who are victims of this crooked system. Its awful.
Another thing, is there any way you can do postings where people can click on our site and you get paid for the click? Just a few ideas.
Thanking you so much for your site.
BSurles
Brenda, I’ve had a non profit once and nobody gave me one penny. It was before the web, one of the reasons for my bankruptcy, expensive AND time consuming and I was so happy when I finally received the notice that it was dissolved about 10 years ago.
I would be VERY happy to be a director for a non profit with completely public financials and directors who I feel are just as honest and sincere as I am. I’d donate 10 or 20 hours a month, but that’s about all I can offer.
I think you sent me an email the other day and I’m way behind on mail, sorry! Have my nephew visiting for two months and I have to try to make some progress finishing my house while he’s here.
“Another thing, is there any way you can do postings where people can click on our site and you get paid for the click?”
I could do that and I’ve written extensively about the mega bucks for ads in the past. But why not just work for the banks, credit bureaus or collectors if I’m willing to take their money to advertise their fraudulent products?
I might put ads on some new blogs about the litigation, but first I have to find the time to put up the sites. Just so much going on.
I just filed my reply for my NetZero appeal, haven’t even posted it yet, but promised in the filing 2 related new sites. So that’s next, whenever I get to it.
I simply can’t afford to sit around working on web stuff that doesn’t pay one dime while I can save $10k or $20K in contractor wages in 2 months doing the work with my nephew.
I look at how many millions of dollars Americans waste on politicians and it seems so pathetic to have to worry about a few thousands dollars.
But, that’s just how it is. I have a policy of not making promises I can’t keep, I’m an honest realist. And that’s no way to raise funds.
Dear Christine,
I have been at this self credit repair for almost 2 years now, with s...l....o...w.... results.
I have used a few other sites for reference, outright dismissed more than I can count as BS.
I keep coming back to yours due to the interest I have in your filings. Law is a “hobby” of mine, and I get so frustrated by the lack of due diligence, sloppy work, and outright crap I see so many attorneys get away with. Then I remember, they eventually go on to be Judges! Holy Cow!
I am gathering the courage to take on one of Wolpoff and Abramsons’ BS collection companies via the AG and the dept of Finance here in Idaho. It is a very convoluted story (isn’t ANYTHING related to that slimeball?)and would be happy to share the research and collected data with you. I have no doubt my work pales in comparison to yours, but it is yours for the asking. Payday is coming up, I will be subscribing to your site, can I send you stamps?<G>
I feel your pain, and frustration. I would like to help you in any way I can.
Debbie
