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Jack Attack???

Frequent Contributor

Jack Attack???

What is this jack attack I've read about?  Is this something that is illegal or immoral?

Message 1 of 4
3 REPLIES
Moderator Emeritus

Re: Jack Attack???

Just explained this on another thread.  I'll copy and paste it here.

 

The so called "jack attack" isn't new at all.  It's been around for awhile and personally I don't see it working.  I think any success with it is coincidental.  I will explain it.

 

Supposedly you would DV the CA which would time bar them from collection activity.  Then you would dispute it.  The premise is that they would not be able to verify the debt because of the DV.  This is false.  They can still verify it, even by e-Oscar.  

 

This has been discussed before, but I figured it had fallen from favor because I haven't seen it discussed in quite some time.

 
Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
Frequent Contributor

Re: Jack Attack???

I had just finished reading your explanation on the other thread.  Seems like it's a waste of time.  If the CA does verify, then you've gotten nothing accomplished and created more hills to climb.

Message 3 of 4
Highlighted
Moderator Emeritus

Re: Jack Attack???

It used to be a popular subject, especially on another site.  And yes, if it did work, it would be an exploit, and I wouldn't be able to talk about it here.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 4