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What is your position on disputing a fully paid off baddie, rather than a debt still owing?
masdeocho wrote:But PFDs and GWs are completely different animals from disputes -- you are acknowledging that the debt or baddie is yours, but you are asking the creditor or CA to understand your personal situation and extend some human kindness by deleting it. That's very different from disputing a debt that you know you owe with the sole intention of getting a deletion.
You dispute it as "paid," because it is.
MidnightVoice wrote:
What is your position on disputing a fully paid off baddie, rather than a debt still owing?
masdeocho wrote:
trinigal wrote:In a country where for the most part you are nothing more than a 9 digit number, if you do not assert yourself you will get lost in the mix.So does this justify fibbing on your income tax? On the amount of household income on your AmEx credit card application?IMvery,very,veryHO, there's a difference between asserting yourself to get what you are entitled to, and just doing whatever you can to get whatever you want.
flygirl wrote:............but ya know what.......I think I'm done with this particular thread. Everybody is entitled to their own opinion. If you can sleep at night with the choices ya made, then so be it!!!!!!!!
trinigal wrote:In a country where for the most part you are nothing more than a 9 digit number, if you do not assert yourself you will get lost in the mix.
Which proves my point Noah (i think....lol)......assert yourself and get in the know. Another great point by the way.
Noah_Bodie wrote:
trinigal wrote:In a country where for the most part you are nothing more than a 9 digit number, if you do not assert yourself you will get lost in the mix.The good news for you, the MyFico member, is there are but a handful of folks here and on other credit boards. Some are on multiple boards so the number of folks is further diminished. Might be 50K on credit boards in a nation of 300M and probably well over 200M with credit, somewhere with someone. How much is that?Well, 50K over 200M is 1/40th of 1 percent. Put another way, just being here, you are 1 in 4,000. This is a nation where 1 in 3 admits they never check their credit.With odds like 1 in 4,000, and if those odds translated to other parts of your life, you could walk into any casino in Vegas and walk out having made money while having a good time. Were you in the military, you'd be elite special forces. And income? The top in 1 in 4,000 earners? Ha! Top 1 percent earns $350K or more. Top 0.025 percent probably earns a million a year plus.The message is that you are at a tremendous advantage. Avail yourself of it. Credit information is furthering a divide between those who know and those who don't know. Over time, more of those who don't know are going to try and find out and become those who do know. But many aren't going to have the time, inclination, tenacity, etc. to gain the knowledge.A small change to the CROA could make it easy for folks to set up their own at home CRIO (Credit Repair Information Organization). CRIOs would collect a fee to teach people what they can learn free of charge here.Is there any difference between my proposed CRIO and a tax preparer you pay to prepare your return? You the taxpayer are still responsible, but the tax preparer has learned, supposedly, how to prepare tax returns in compliance with IRS code while getting the tax payer every possible legal advantage. [I say supposedly because it took a number of Emails between me and my HR Block preparer to get my return right this year. Meant the difference between owing $200 and getting back about $1200.] You are not committing either a legal or ethical violation for obtaining every possible exemption and deduction allowed in the tax code.Probably a lot of folks who'd pay you $100, $200, maybe $500 to help them with their credit. Do that 2 or 3 times a month as a part-time business, for 12 months (tax season ends, credit season runs all year long) and that's a nice little chunk of money.Finally, another sign of the informational divide widening. Saw on CIC a link to a site that is advertising it's product to CAs. Basically, they are trolling the courts for FDCPA violation cases, getting the name of the complainant, and selling those names as a list of people who have sued over FDCPA violations. Theory being the CAs can reduce their risk of getting sued for FDCPA violations by removing from their call lists debtors who are known to have sued. Good for the CAs. Bad for the consumer. This kind of protection might make some CAs believe, "OK, I got rid of all those darned CB and CIC listers who sue CAs. Now I can really turn up the heat on the debtors I call. Bwa-ha-ha!"