My appeal reply brief and Open Letter to the House Finance Committee members

I’ve been so busy, my head has been spinning.

Last Thursday my appeal reply brief was due.  On Tuesday I got sidetracked by the House Finance Committee hearing.  And I had to start using my backup computer as the hard drive on my main machine was failing, causing frequent unscheduled reboots.

Wednesday afternoon I got the new drive and while writing in my reply about the lying Capital One lawyers I was trying to reinstall Windows on the new drive.  It worked on 2nd attempt, and then the misery of reinstalling software ...

My mind was still on the congressional hearing and I ended up writing an open letter to the finance committee members and included it with my appeal brief. 

I’m so tired of all these lies, the defendants’ lies to the courts, the regulators’ lies to Congress.

I had NO idea it turned into a 13 page letter until I printed it on Thursday. 

That’s when I started to get the low ink warning messages and I needed 8 copies for the court and 6 for the defendants.  I just got a new printer and the ink cartridges I ordered require moving a chip from the original cartridge and I’ve never done this before.  It was amazing that I tried to print after I got back from the post-office and was out of ink before I printed the first page.  Talk about LUCK!  Well, that or God wanted me to get the brief mailed on time.

I’m so behind on posting, my discovery requests to Focus (they are mentioned in my Open Letter), the new complaint I filed against the CRAs and NCO et al and I have so much client work.  I’ll make an effort.

For starters, here’s my 6/21/07 open letter to the House Finance Committee—for everybody with any interest in credit reporting and scoring and especially people who wonder why their scores are low.

I had submitted the DRAFT version with my appeal, but this is essentially identical, I only fixed a few typos and I’ll submit it as it is now.  While still very incomplete, there is SO much wrong with credit reporting and scoring, the tough part will be getting legislators to read the “short” version.  And of course I’ll document the responses (or failure to respond) and it would be great if I wasn’t the only person working on this.

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