Do FICO people have secret information?

[FireMedic1]

I'll just say. The lenders, creditors, and businesses pay the CRA's for any of their products as in scores. And people like me who pay for MyFICO monitoring. This is why many companies will do a SP over a HP. Its cheaper. No one is in cahoots with the CRA's. Nor are they out to get you. There was a balance owed. Wasnt paid and it went to Verizon was has their own internal collection division. Your lucky once they give up trying to collect. They pass it on to ERS and then you have 2 collections on your reports. It is was it is. Lesson learned. Us little folks usually dont win against major corporations.

[MeCasa]

Not in cahoots and couldn't be out to get me I'm a number, treated like the rest of the numbers. I've changed my way of operating due to my time on this forum. Despite Verizon I just scored $25000, 5 years, no income verification 16.5% and that despite still half way through paying a like note for 20,000, 3 year at 7%. I own a window company and my business has been bank based until I came to this forum. I'm moving everything to paid credit cards, all the cash flow makes me look substancial. While they're playing me, I'll play a numbers game to play them. Or maybe I'm not playing them, I see a lot of cash and they seem to feed off it.

Maybe I've become a good citizen <shiver>

[MeCasa]

These folks are not as independant as they pretend. I'm now getting loan advertisements from Experian because I went to their site. They may have some govt. rules (such as free credit reports) but they are motivated solely by money. These companies started out in the collection business and for everything I see, they're still in bed with their old buddies. Think how large an account Verizon is, meetings are held and deals are made. They are not deals against Mike Lynch per se., they are deals to manipulate all of us.

I did not owe Verizon but I paid them $76 because of these people. It may be legal, but right ot wrong is not as important as everyone thinks.

[Horseshoez]

Time to get out the tin-foil hat.

[MeCasa]

Hehehe  :-) I am getting dangerously close to the line and the sad part is I believe there is more here than meets the eye. But I finished my business here and I should get back to my business. Whether there is something here or not can be debated but the fact that there is nothing I can do but try and be smart and utilyze my credit to my advantage and hope nothing goes astray.

Thank you for your help  :-)

[Junejer]

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@Horseshoez wrote:

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@Thomas_Thumb wrote:

Want to know one of your reputation scores? Look yourself up on mylife.

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LOL, I just looked myself up; the only record which popped up was from an address I lived at in the 1990s and it said I was 123 years old. 

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Methuselah

[masscredit]

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@MeCasa wrote:

When we win a dispute they say they take it off but I don't think they do. They may put it in a shadow persona that they can look at when they determine creditwothiness.

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Why do hear the song from Men in Black playing in my head as I read this?

Here come the Men In Black
Credit defenders... 
Here come the Men In Black 
Your credit score remembers...