Need some Legal Advice... Got scammed

[chronical]

If they arent reporting, get their information and send them a cease and desist to get them to stop calling you. Inform them that any communication other than mail, is inconvenient. If they want to play ball and continue to call you, start recording them and jotting down the times and dates and keeping the voice recording. Answer it but do not give them any information at all. (social, d.o.b. favorite color, nothing) keep repeating that you have notified them in writing that they are not to call you and remind them again. If they get ruthless, and you are keeping a detailed paper trail, sue them.

[Josh.0]

good info in here

Lesson learned don't pay for porn

[Unicorn Jeff]

good info in here

Lesson learned don't pay for porn

Never paid for porn in my life!

[chronical]

Tell them to go fuck themselves.

This had me laughing hard but don't do that lol

[motoman]

This is not true

Mine does and i check it every 3-5 days.

[chronical]

Mine does and i check it every 3-5 days.

Where are you checking it?
Your report will change as lenders report which is once a month in most cases. Albit, not all lenders with update on the same day

Your score is based on your reports so it has the potential to change anytime something updates

[motoman]

Where are you checking it?
Your report will change as lenders report which is once a month in most cases. Albit, not all lenders with update on the same day

Your score is based on your reports so it has the potential to change anytime something updates

Each individual bureaus site. I was a victim of identity theft several years back and it fucked up my credit. Been working my ass off to get that shit fixed ever since, so I check everything religiously.

[chronical]

Each individual bureaus site. I was a victim of identity theft several years back and it fucked up my credit. Been working my ass off to get that shit fixed ever since, so I check everything religiously.

The scores from the credit reporting agencies sites are worthless. A fico score bought from Myfico.com or obtained as a benefit from a lender are the only scores that matter.

Kudo's to you taking charge

[motoman]

The scores from the credit reporting agencies sites are worthless. A fico score bought from Myfico.com or obtained as a benefit from a lender are the only scores that matter.

Kudo's to you taking charge

What's the difference between the reporting agencies scores and a fico score? I'd like to know if I'm wasting money keeping up with each agency.

[chronical]

What's the difference between the reporting agencies scores and a fico score? I'd like to know if I'm wasting money keeping up with each agency.

There are a million scores out there. All of them are using the information off of your reports but the formula is different. The formula most trusted to predict risk by lenders is Fair Isaac and company or Fico. Fico keeps it's algorithm under lock and key so no other score is comparable. Experian's site may say you have an 800 credit score but before credit is extended to you, lenders buy a Fico score which may be 100 points or more higher or lower. Or out of sheer luck, may happen to be close to the score you have been buying, but that would be pure coincidence

[motoman]

That's great info. I'll look into that.

[564826]

How about you just not renew your subscription once it expirse?

[Tyrone Biggums]

Chronical knows what's up.

[racrguy]

The above letter is one I put together some time ago and is the first letter I use in Texas for validation. The wording is referencing a dunning letter. If you never received a dunning letter and they are on your reports, simply change the verbiage to something along the lines of "This letter concerns a collection entry I discovered on my credit report"

Jeff: I don't know if it's accurate or not, but I wouldn't sign anything that gets sent to them, as it's amazing how signatures can jump from form to form.

Chronical: accurate?

[lowthreeohz]

Damn didn't you just get scammed by some lady and 3 kids?

Lmfao!