Posted 9:40 PM by Creditwrench

Jaccuse meeting for July 21, 2005
Richard Cornforth talks about some tax cases and strategies among other things.

Posted 2:42 AM by Creditwrench

There are 2 messages in this issue.

Topics in this digest:

1. New Post/Thread Notification: Credit repair discussions
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>
2. New Post/Thread Notification: CreditWrench
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>

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Message: 1
Date: Tue, 19 Jul 2005 04:20:45 -0000
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>
Subject: New Post/Thread Notification: Credit repair discussions

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of Rentreporters.com reports rent or not? I am skeptical.

This thread is located at <a href="http://www.creditwrench.com/consumers/showthread.php?threadid=494">This thread is located at www.creditwrench.com</a>

Here is the message that has just been posted:
***************
Hi, Does any one out there have any results now from this company, it's been about 6 months since anyones reported about this. I would really like to know, It sounds like a great deal if it works. and its had plently of time to work.

Thanks
Yes, it has had plenty of time to work and to the best of my knowledge nobody has ever seen any of their reports on their credit reports. I see that they have updated their domain registry for another year but that isn't really very meaningful.

I now say it that if it isn't Scam it is his brother.
***************

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Message: 2
Date: Tue, 19 Jul 2005 04:24:47 -0000
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>
Subject: New Post/Thread Notification: CreditWrench

<center><a href="http://www.creditwrench.com/" title="The Creditwrench main website"><img src="http://www.creditwrench.greatnow.com/creditwrenchlogo.png" alt="A Creditwrench logo" border="0" width="350" /></a></center>

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of old debts, new credit report.

<a href="http://www.creditwrench.com/consumers/showthread.php?threadid=709">This thread is located at http://www.consumers.creditwrench.com</a>

Here is the message that has just been posted:
***************
I'm in California.
I have four credit cards which I stopped payment on, on or before March '98.

I've only recently requested the credit reports. 1) Do I have the right to question my credit report accuracy at any time, or just 30 or 60 days after it's sent.
You have the right to question the accuracy of any item on your credit report at any time.


The CRA's (over the phone and on forms) seem to only allow me to dispute, not request verification of debt. 2)Should I request a VOD in writing from the CRA's? (I don't want to dispute reports that are actually mine and appear correct, right?)

You cannot demand validation of debt from a credit bureau. The thing that folks need to understand is that there is a big difference between validation and verification. Validation of debt can be demanded of creditors and 3rd party debt collectors while verification can be demanded of credit bureaus.
Verification is a much lower standard of proof by a long way.

3) Do they have a time limit to answer if they've already been sending me payment requests for years?
3rd party debt collectors are never under the gun for any time limit in which they must comply with demand for validation. If you want them to be under some kind of time limit you have to impose it on them. That is why you must have a plan of action that works and gets some kind of resolution to the problem or you might sit there forever or until they sue you. If you sit there and wait until they finally decide to sue you then you will be in very bad shape indeed if you do not have a solid plan of action resulting in either a defense or an offensive lawsuit which you file against them. That is what CREDITWRENCH does for you. It teaches you how to build a defense in case they sue you or a good case if you want to sue them.


Equifax lists Date of Last Activity (one incorrect), but not Date of Last Payment (or date of first default);

TransUnion lists "estimated date that this item will be removed", and they seem accurate, but no dates of first defaults, etc.

Experian lists "Date of Status", all of which are later than reality for date of first default or date of last activity:

3) Should I dispute what is innacurate, or request verification (and through whom), or what?
You have to dispute with each bureau separately.

Experian has comingled my credit report with my Fathers'.
4) Should I dispute the accounts in good standing that aren't mine?
Both of you need to dispute separately.

As these all should come off my credit report within 6 to 14 months, and have been uncollectible for years,

(5) is there a benefit to my negotiating a payment in full with the present owners of the debt? With the original creditors?

Thanks for your time!
There is a great benefit to negotiating a payment in full with the present owners of the debt. It means that you will definitely cement them on your credit reports for the full period of time and maybe even longer than that.

Then if you pay them you lose the benefit of the fact that you won't have the opportunity to beat them in court and you will have the benefit of paying for a debt you don't even owe anymore because the debts are obviously well beyond the statute of limitations.

Don't pay them a crying dime. You only lose if you do.


Thomas[/QUOTE]
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Posted 2:30 AM by Creditwrench

There are 2 messages in this issue.

Topics in this digest:

1. New Post/Thread Notification: CreditWrench
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>
2. New Post/Thread Notification: CreditWrench
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>

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Message: 1
Date: Sun, 17 Jul 2005 15:18:40 -0600
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>
Subject: New Post/Thread Notification: CreditWrench

Hello,

Dadude2u has just posted in the CreditWrench forum of CreditWrench under the title of Collection agency collecting for collection agency.

<a href="http://www.creditwrench.com/consumers/showthread.php?threadid=685">This thread is located at</a>

Bill -

Your posts in this thread have dispelled about 75% of the myths that haunt most other boards surrounding Validation of Debts, Validation letters, what they do and what it's supposed to do.

Thanks a lot for the info in these posts, reading it was very educational!
***************

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Message: 2
Date: Sun, 17 Jul 2005 19:08:03 -0600
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>
Subject: New Post/Thread Notification: CreditWrench

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Collection agency collecting for collection agency.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=685

Here is the message that has just been posted:
***************
Bill -

Your posts in this thread have dispelled about 75% of the myths that haunt most other boards surrounding Validation of Debts, Validation letters, what they do and what it's supposed to do.

Thanks a lot for the info in these posts, reading it was very educational!
Dispelling 75% of the myths that haunt most other boards surrouncing validation of debts, validation letters, what they do and what they are supposed to do is only the tip of a very big iceberg. If I could reach even 25% of the people who believe the false information and scams out there I'd be doing some real good.
***************

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Posted 3:50 AM by Creditwrench

There are 2 messages in this issue.

Topics in this digest:

1. New Post/Thread Notification: CreditWrench
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>
2. New Post/Thread Notification: CHIT CHAT
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>

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Message: 1
Date: Sat, 16 Jul 2005 11:16:13 -0600
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>
Subject: New Post/Thread Notification: CreditWrench

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of financial business and collection agency.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=705

Here is the message that has just been posted:
***************
Yes, there is but it may not be easy.
The way you are approaching this situation is by trying to prove you don't owe the money they claim you owe but that is not the way to get the job done if they don't want to listen to you.

When you are contacted by a collection agency you always need to take the approach of making them prove that you owe the debt they claim rather than trying to prove that you don't.

In the end you may have to sue them so you need to learn all of the possible FFCPA violations they might commit or might have committed. The best way to do that is to use our litigation support checklist which is available only to creditwrench students.
***************

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Message: 2
Date: Sat, 16 Jul 2005 18:44:44 -0600
From: "CreditWrench Forums" <creditwr@box2.bluehost.com>
Subject: New Post/Thread Notification: CHIT CHAT

Hello,

Creditwrench has just posted in the CHIT CHAT forum of CreditWrench under the title of A Mark Moyers web seminar

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=707

Here is the message that has just been posted:
***************
Mark tried to do this seminar today, Saturday July 17th, 2005 but couldn't make it work right. He will try again tomorrow morning. There is also a call in phone number to hear the seminar by phone.
The number is 1-877-276-6348 toll free or
1-408-904-1787
You will need the ID numbers above in order to access the call.
Mark told me this evening that if he couldn't get it to work by 9:05 or so he was going to give it up and try it again during the week. I will be in touch with him and will be helping him to make it work if at all possible.

-----Original Message-----
From: Mark Moyers [mailto:mmoyersebp@yahoo.com (mmoyersebp@yahoo.com)]
Sent: Saturday, July 16, 2005 1:37 AM
To: mmoyersebp@yahoo.com
Subject: Meeting: Void Judgment Workshop

Hello ,

Mark Moyers has invited you to join a meeting on the Web, using WebEx.

Topic: Void Judgment Workshop
Date: Sunday, July 17, 2005
Time: 9:00 am, Eastern Daylight Time (GMT -04:00, New York)
Meeting number: 731 604 382
Meeting password: (This meeting does not require a password.)

Please click the following link to see more information, or to join the
meeting.
NEW USER? Prepare your computer in advance of the meeting by clicking New
User on the navigation bar.

<https://freetrial.webex.com/freetrial/j.php?ED=87171197&UID=30458247> (https://freetrial.webex.com/freetrial/j.php?ED=87171197&UID=30458247)

Teleconference: None

To contact Mark Moyers,
send a message to this address: mmoyersebp@yahoo.com

* For all calendar programs (except Lotus Notes), click the following link,
or copy the link and paste it into your Web browser:
<https://freetrial.webex.com/freetrial/j.php?ED=87171197&UID=30458247&ICS=MI </pre><>
The host requests that you check for compatibility of rich media players for Universal Communications Format (UCF) before you join the session. UCF allows you to view multimedia during the session. To check now, click the
following link:
https://freetrial.webex.com/freetrial/systemdiagnosis.php

http://www.webex.com (http://www.webex.com/)
We've got to start meeting like this(TM)

</>
***************

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Posted 8:36 PM by Creditwrench

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