Intelliwerks

Experian is a hateful corporation based out of the UK. They will fight you for no reason, leave valid information off and include incorrect information. In spite of threatening and then suing them (and winning!), they just seem to be vindictive and hateful. Watch "Fight Club" at the end...seems true justice!

Anything new with regards to which 3 creditors? I have found a much faster response from just mail-in app's. Seems that the fraudsters have taken away the quick approvals once afforded by online apps. I just mail in the apps now for quicker "human eyes" approvals. I would love to know where online apps are given quick approvals though. I have found that Juniper is really bad about online approvals (apple). I simply avoid Juniper/Barclays now. They ask for far too much information and US Bank, Chase and Citibank are much easier and straight forward. Please, if anyone has a different experience, let me know....

That is great news! They just opened a branch near me and I wanted to open an account. Did you do all of this online? If there is an outstanding ChexSystems, isn't that based on a combination of SSN, DL# and/or current address? I am curious, as I have a two year old NSF that should be cleared up, but I want to address it first with Chex before I pursue the Patelco account. Thanks!!

I did not realize they offered the benefits with a Check Card. Where is that App?

Does anyone know that answer on this one? I wanted to apply for this card, but I am concerned the same might happen to me...

Thank you...I am still going to send and ITS letter with copy of small claims court paperwork. Tired of this type of thing. It has gotten worse the past year. I am not sure why, just harder and harder to get the CRA's and CA's to obey the law!

Thank you for the form. Now what? Do I send them the form and then they send it to the SSA? That is not going to happen. Like I would trust anybody with that information and authority! Any suggestions?? Thank you again!

I opted out years ago, but it may have expired(?). I do have the letter stating deletion yes. I would like to do a two pronged attack: Send it to them certified, along with the notice and intent to sue - with a copy of the lawsuit papers. I have read where the CRA can simply say that the OC simply re-confirmed the debt, placing it back on the report. BTW, my lender is not making pay off any CA, as they are under the total allowable of $1000, for CA's to remain. Thank you for the quick help and thoughts!

I just posted about a violation on my Experian Report. I saw what is showing, form my Mortgage companies report, that Experian was the culprit in violating FCRA's. To be pro-active, I ordered a copy of my reports. I had moved since the last time that I pulled the reports and wanted to see my personal reports. Anyway, Experian sent a flyer looking checklist. The box is checked asking for Form SSA-L996 or ANY OTHER VALID SSA FORM. What the hell is going on with EXPERIAN? Not to mention the fact that they are a European company, CONTROLLING the privacy of Billions of people (over 300 Million files in the US according to their statistics) and doing a horrible job at it. I believe this is just a stall tactic, but I have never seen this form before. Any help would be appreciated!

So here is what happened: Experian CRA- I was able to get a Citibank/Shell charge off removed, as well as a Citibank/Citgo removed. NOW, as I am applying for my mortgage, up comes ZENITH ACQUISITIONS showing as a brand new collection account AND (Unbelievable!), the Citibank/Shell charge off removed back in January is back as a charge off as of Sept 2007 PLUS showing a balance due! Absolutely Pissed off now! Changes my home purchase abilities for an account that was never verified by Citibank or by Experian!!! It is off of Equifax and TransUnion, but the ZENITH ACQUISITIONS may show up next... Any thoughts on how to do some major damage here? I am willing to sue them immediately! Guidance would be appreciated!

I am not familiar with LVNV. Which Hellion Collector is that?

Is that Eastern Time, or Pacific Time?

This link should take you to the video for this ABC news topic: http://cosmos.bcst.yahoo.com/scp_v3/viewer...92&src=news Over a 14% increase in abuse and threats from debt collectors. The FTC says they will step up investigations and enforcement.

I am working on a new verification technique, a variation of what has been used on this post. I have been using "signature font" in various sizes thougout the letter. I make sure that I use courier for my info, the CRA info and the account number. Then I use the larger, "wierd" font. I have been having better success than normal lately with that. Let's try it, get the scanners and form letters off the job and make them @$#%&$@ RESPOND !! Or, this time, come 15 days from their receipt, I am going to small claims court to start it up!!

Can someone point me to a link for this civil code, with reference to the buyers of defaulted debt? (JDB'S)?