Donations—my day has only 24 hours and I have no sugar daddy
I’m so tired of working all the time, wanting to do so much, yet not even getting close to getting just 10% of my projects done. I’m totally overwhelmed.
So I decided to put up a DONATION link and I added a DONATION category that I’ll assign to postings regarding matters that deserve attention.
All donations of $75 or more (cumulative for repeat donors) get a free 6 months subscription to CreditFactors
CreditFactors is my subscriber forum and knowledgebase and it is by far the most comprehensive and up to date credit reporting and credit scoring resource. Please use the contact link above to send me the desired user name and email address so I can set up the CreditFactors account. This can also be a gift.
To use a CREDIT CARD—PayPal gets 2.9% + $.30:
This link is for supporters who do NOT want to use a credit card, but have a PayPal account with cash or funded by the bank account
I’m going to post all donations and we’ll see how much interest consumers have in my many projects:
1) Suing the credit bureaus, creditors and collectors.
Suing in itself is a lot of work and very expensive, but it’s a TON of work to post all the filings at CreditCourt and even more work to summarize and update.
2) Taking depositions and documenting perjury
Here are my Experian depositions. Unfortunately, I have NOT had the time to post the exhibits (requiring many hours of painstaking deletion of my personal data and open account numbers) and to explain what it’s all about. Most important, I haven’t even had time yet to document their lies.
Do you want me to depose NCO to find out why they put a collection inquiry on my Trans Union report while I’m not aware of any delinquent bill?
Do you want to find out why the CRAs sell your credit reports to just about anyone who is willing to pay for your data?
Do you want to know why Focus Receivables collector James Hurd extorted $250 by threatening to report the entirely fraudulent DirecTV collection to the CRAs?
Would you like to know why Focus manager Steven R. Koepke promised to have his insurance contact me in response to my settlement offer, but I never heard from their insurance?
How about finding out why Colleen Spidell, DirecTV Legal, promised to waive the early cancellation fee, only to have the “waived” fee assigned to Focus for collection?
Who wants to know why DirecTV didn’t honor the court approved junk fax settlement and why it to date failed to refund the $$$ I paid for service that was supposed to be FREE?
Not to mention the countless questions I have for Trans Union and I’d sure like to find out whether it was Experian or Equifax who lied about putting a fraudulent fraud alert on my Experian report. That’s what bothers me so much, the constant lies and perjury.
Baker v. Trans Union et al has hardly any info, haven’t even had time yet to scan and post the Focus answer.
3) Fair Isaac’s credit scoring fraudware
As regular readers know, I’ve documented several bugs in Fair Isaac’s credit scoring software and it appears that Fair Isaac ADDS trillions of entirely FICTITIOUS late payments to reports for consumers who either filed for bankruptcy or have charge-offs. These RECENT late payments, often in the current or last month, seriously lower the FICO scores.
I am convinced that Fair Isaac is responsible for many of the subprime foreclosures, as its FICO scores are REQUIRED by just about all lenders. Fair Isaac ought to be sued hard and fast, but nobody will sue unless I document exactly how they add those fictitious lates.
Not to mention that the myFICO reports are INCOMPLETE and consumers have to spend $80 to get at least almost all data in their credit reports.
4) Legislators need to see how screwed up the credit reporting and banking system is
At http://creditlegislation.org/ I started to list some of the big problems, but I could literally spend hundreds of hours on preparing DOCUMENTATION from my clients’ reports. Since I have to be careful to remove their personal and financial data, it takes so much time.
I’m going to update this entry frequently.
I’ll add more projects and update as I hopefully get things done. Right now I don’t even have time to list everything, not to mention to actually WORK on these many unpaid projects.
In the 12 years I’ve had my credit sites on the web, I learned that most people are terribly afraid. I often wonder why Americans have so little spine. They’re afraid of the CRAs, the collectors, the banks, the courts .... And if they’re not too afraid to try to fight back, they’re too LAZY or too BUSY. Nobody knows better than me how much work and how stressful litigation is. And I understand that most consumers wouldn’t have a snowball’s chance in hell if they filed a suit in federal court. So I thought I’d see whether people will at least send a few bucks.
YOU decide with your financial support how I spend my time.
I tend to go after whoever annoys me the most at any given time, this is your chance to tell me what’s important to YOU. If you decide to send a donation, please include in the comments your favorite project. If you send $10 for the NCO deposition, I can’t promise that I’ll actually depose NCO (it’ll cost several thousand dollars and they could even make a settlement offer I can’t refuse), but I’ll know that it’s for collection related activities.
I’ve been documenting the misconduct of CRAs, creditors, collectors, legislators, regulators and judges
-- it’s time to find out what the American consumers really want.
Got the first $20, thank you!
There was no comment included, I hope this works as I tried to set it up.
I’m going to use this donation to update with the latest on Fair Isaac tonight.
Two donations today, $20 and $50, from long-time readers/clients, thank you!
I’m still wondering if those comments work, feel free to post here too. Absent any preferences (please let me know), I’ll be using the donations to research two class actions I SHOULD be member of, one against Experian/ConsumerInfo.com and one against Equifax and Fair Isaac. This is my first chance to OBJECT to a settlement.
I did not see any where to place a comment, when I made the transaction.
I also go an Equifax settlement email. I noticed that it had a give up your right clause.
4. DO NOTHING
You will automatically be included in the Settlement Class and give up your right to be part of any other lawsuit about the claims in this case, but you will not be eligible to receive the economic relief unless you submit an Authentication Form.
I don’t want their credit watch service. I really hated the Equifax credit monitering, because they would send me faulse alerts about information that had already been deleted for over a year. I would panic and check my report, and the information would not be there. They were playing with me, because they knew I was recovering from a discharged bankruptcy, and that my subscription was about to expire. They wanted to scare me into renewing. I wrote them an email that explained why I was canceling, but the response was very generic.
That’s because they couldn’t care less. I’ve NEVER been able to get anything but a computer generated response from Equifax outside court. It does not matter how many hours I spend on drafting specific disputes, explaining WHY it is so important that they correct—some Equifax employee hits a button resulting in a usually completely irrelevant computer generated response.
I have noticed that the Equifax investigation results generally state that they verified that the account belongs to the consumer. Obviously, that implies that the consumer disputed that it’s not his account. However, the disputes were specific factual disputes, such as about the deletion of lates after a charge-off, adding the date the account was opened, correcting the account type, etc.
I believe that Equifax misrepresents factual disputes in the results to make it look like the consumers LIED in the disputes to limit liability for their failures to correct.
If it’s IMPORTANT, dispute IN WRITING and of course keep a copy of the disputes.
I get quite a few complaints about the ScoreWatch alerts not making sense and I recently posted Equifax ScoreWatch - determining the reasons for FICO credit score changes
Unfortunately, I don’t even have time to look at most alerts I get, not to mention documenting everything that’s wrong.
I’ll definitely research this class action this weekend.
And apparently I also have to look into why there are no comments on the donation screen, nothing’s ever easy.
Got a $50 donation for the research of the late payments AFTER accounts were charged off or discharged, thank you!
Still haven’t received a response to my 2/26/07 Open Letter to Fair Isaac re. its addition of fictitious lates and sale of defective reports and I suppose they have nothing to say. More on this next week.
$20 donation from a repeat donor, thank you very much!
$50 donation from another consumer who got royally screwed by their attorney. He didn’t even send out discovery request and they’re now pro se with just a few weeks to the trial.
It’s hard to believe he’s licensed to practice law.
$40 from a repeat donor, thank you very much!
In response to http://creditsuit.org/credit.php/blog/myfico_no_longer_reports_the_equifax_dla_lawsuits_must_be_filed_now/
If 500 people sent $16, the cost of one of these INCOMPLETE myFICO reports, there’d be enough cash to not only sue and serve Fair Isaac, but to take depositions and widely publicize the issues through press releases.
Millions buy these myFICO reports and they don’t even realize that they don’t get all the data in their credit files and that now Fair Isaac even decided to misrepresent the data and to assign entirely FALSE field labels.
I can’t send out a press release unless I filed the lawsuit because the distributors will censor it unless it is a litigation release.
Hi Christine, will you be giving back to your donors once you receive cash for settling your cases or for sucessfully prosecuting them to judgment?
I don’t see why you are commencing lawsuits when you know in advance that the costs to sue outweigh the benefit of a settlement or judgment.
Perhaps you should talk to an attorney for advice before pursing additional litigation?
Are you going to pay for the consultation?
The donation link is posted above. 
And, in the future I will delete comments apparently submitted by my defendants or their shareholders. I really don’t think that consumers are so dumb that they don’t know the difference between a loan and a donation.
And please see Reader mail: BofA after bankruptcy reporting - awful advice at Creditboards for more info about my sites and litigation.
It’s been a long time, much appreciate the $50 donation I just received. Unfortunately, without any comments, but I’m guessing its for my efforts regarding the Experian perjury:
Thanks much!
Got a $30 donation, thanks!
