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Found 52 results

  1. I see this question posed quite often so I figured we could have a thread where people could post their obsolete deletes. The info we would want to list should be; Which CRA, how many months till fall off, and how it was disputed. I just had a few deleted from TU. I disputed them through US mail non certified. They were 5 months from deletion.
  2. So I disputed (or so I thought I disputed) addresses off the Big 4. TU removed all addresses except for my current. EQ has my current and another non-BK address. EX won't budge. All bureaus froze. Microbilt, LexisNexis, SageStream, Chex, you name it. Try to get full verification of the bankruptcy on my file, thinking the whole Trial Rule 1005 thing would help me (this rule makes only the last 4 of your social, full name and addy public-facing). No dice. This was the response L/N fed me, including a few notes in RED. Please critique, tell me I have no chance for removal, something....
  3. Living in Texas and law firm has Texas address. Was contacted by Rausch Sturm law firm who say they are representing portfolio recovery associates. They list the original owner of debt as Barclays credit card so I know it’s real. I want to pay the debt. It isn’t past the 4 year statute in Texas because original debt is from 2016. However, They do not indicate an offer. They just indicate I can contact them via phone or mail to discuss options. Should I wait till they make an offer? Should I call them or write a letter? I’ve seen websites discussing advantages of both calling and mailing so I’m not sure. I can afford to pay as much as 2000 of the listed 10k. Or can I do some kind of hardship payment plan? The law firm haven’t offered either option. Portfolio Recovery did, but I guess these guys have the debt now, so should I make a first offer or wait?
  4. Lovely Navient is posting 4, yes 4 charge-offs on my credit report. I'm starting with Equifax. Round 1: Disputed because there was still a past due balance showing on the charged off accounts (all of them). One Navient Account deleted, the rest were "verified." Equifax "updated" the "date of last payment" to literally June 2020 ... on charged off accounts. They still show a past due balance, even though the debts were sold to a collection agency. Round 2: Sent a method of verification letter to Equifax. Equifax responded with a "We don't have a credit file for you" letter. Stall tactic? Round 3: Sent a second method of verification request with copies of the "we don't have a credit file for you" letter, proof of identity, copies of their previously "verified" accounts/"investigation results" pointing out they reported payments on charged off accounts. Interestingly, the "little boxes" that appear under the accounts which tell you if it's a timely payment, late, or a charge off still show a "late/charge off" for the months Equifax says they verified I made payments. Result: Investigation is PENDING. I signed up for MyFico and apparently, Navient is reporting these charge offs/lates, FRESH, on a monthly basis - even after they sold the debt. Is this legal? How can I be late on a debt that doesn't exist anymore since they sold it off? I had a charge off before for a credit card a long time ago and once it was charged off and sold (Navient sold the debt as well) it wasn't reported every.dang.month. Is this legal or some sort of reporting violation? Am I doing this correctly? Should I do a 609 and demand that they show me a copy of my MPN? TIA!!!
  5. Trying to help a friend and not sure what to do. They were just served with paperwork from the Courts in Osceola County, Fl. It was filed by Raush Sturm on behalf of Sears for some appliances purchased almost 5 years ago. The account was interest free and when it came time to make the final payment it was offered to Sears to split the final payment within 7 days of each other to clear the account. They refused and final payment was not made. In the documents they included only 1 statement which shows a balance now due of $9027.70 as of 1/9/2019. Currently she has 10 days to answer the court complaint and I have no idea what we need to document or request. The amount is beyond ridiculous and she is currently a full time student with an unemployed spouse. Is there a way to request validation of the debt with all statement copies and proof it was purchased individually and not a bundle purchase (meaning they have no documents to prove they rightfully own?) Any help or guidance is greatly appreciated. I have been reading on your boards about them being in the Hall of Fame for bad collectors. Thanks !
  6. http://www.ibj.com/articles/58982-brown-mackie-to-shutter-indianapolis-campus-in-nationwide-retreat
  7. I was approved through Westlake Financial in December. My first payment was due on Jan 18'th. My mother is in the hospital with a life threatening condition and I honestly put my life on hold. I know banks have a grace period. I made the payment today through money gram which would make it 16 days late. It was the first payment. Not smart I know. I called west lake to give them the info and they said my account was "under review". I said its no biggie I paid in full and even offered to pay next months payment. The lady said that my loan was under review to see if they were still going to honor my contract, or cancel it and send it back to the dealership. Ive never heard of this before. I bought a new 2015 hyundai elantra and the contract was for $17k. On the finance contract it says "no recourse" so how could they send it back and make it the dealers problem. Ive trying to clean up my credit and was able to get this loan until I can refi at a later time. Can westlake do this after they already funded the loan and send it back to the dealer? And what happens if they do? What does the dealer do? I have a signed finance contract and as of today everything is paid up to date.
  8. https://abovethelaw.com/2020/02/after-40-years-the-lexisnexis-mainframe-is-no-more/ There is no paywall. I did not know this, but found it interesting.
  9. Long story short, have an old judgement, that while it isn't showing on my credit reports, shows up as public record when the mortgage company pulled my credit. I have to get it paid/settled/removed in order for them to approve my mortgage loan. How can I best protect my assets while I try and settle with them? So far I have been able to fly under their radar as I am self employed, have a different bank account and don't have any auto loans. I know since the judgement they have tried to get information in court from companies I have done contract work for, so I know they are diligently trying to garnish wages from me. How can I protect my bank account while I am in contact with them to settle the judgement and get it taken care of?
  10. Hi, I'm new here and got a notice from a credit agency on my private student loan. It's been 3 years since I last paid as I was contesting the amount and got sick. I signed for the loan in D.C. and the loan originated in OH. I now live in OH. I also stopped paying while I lived in NY (before I moved to OH). I just got a letter from a CA based in NY state (don't know if the CA state location makes any difference). My question is which SOL will apply? OH, NY or the shorter DC SOL of 3 years? OH has a number of SOLs, 6 years, 8 years so I'm not sure which SOL would even apply to the promissory note for the bank based in OH. How could I look this up at a law library. I'm not very familiar with the process if anyone could help with legal research ideas? I'm also contesting the validity of the loan because the promissory note states that the repayment period is 240 months and I think I have passed this point. Any help I can find would help a long way; very stressed out by this situation---there are so many ways this could go---if the CA goes through with a judgment and wage garnishment (I'm disabled and earn a very small part time income) can they revive the judgment every five years for 15 years (OH) even after the SOL expires on the private loan itself (3 yrs DC SOL, 6 yrs NY SOL, 6 or 8 yrs SOL OH)? I don't know if I should just ignore the CA or write them to dispute this loan (and risk waking the sleeping giant) or wake the sleeping giant with a dispute letter and prepare myself to go to court (have no idea how I would defend myself but would like to dispute amount of the loan, SOL etc). This all seems very risky. Can this debt sold to a credit agency be invalid?
  11. In early 2016, I lost my job in the oil field. It was a very good job, and I made good money. I received a decent package when I was laid off, and starting looking for a job. Sadly, the entire oil patch was going through the same thing, and it took my 18 months to find a job that paid 1/5th of what I had been making. It took another six months after that to find a job that allowed us to keep our heads above water, and now I'm back in the saddle and we're doing much better. Around the 18 month mark, we had to let some of our credit cards go. They had pretty high balances, but we were doing fine until that point. It was always our intention to try to pay them when I found a job, because we did incur the debts and I felt pretty bad about having to let them go. Also, we'd worked so damn hard to get our credit straightened out and it was very nearly physical pain to let it go to hell again. But when I got to the point where we could actually start looking at making payments again (around that two year mark), well ... OCs were sort of like, too bad, we've already charged them off and sold them. I decided to try to ride it out and see what happens. We haven't applied for new credit, but we've maintained three or four cards, our car payments, student loans and a personal loan in the time that's elapsed. Fast forward to last month, and I was sued by Midland for a small-ish debt. I responded, but haven't heard anything back yet. The thing is, we're trying to move in to a new rental, and the RE agent is telling us it may be impossible for us to do so with our credit scores (my FICO scores are low 600s and I make the bulk of the income; DH's are mid 500s). Soooo I was wondering (and I'm no newb but I am sick of dealing with this crap) if I should try to settle some of these with a couple of caveats - primarily that they are PFDs and the remaining debts are never sold. I still have two years to ride out the SOL, and I cannot wait that long to move or buy a car (that needs to be done next year). Should I try to settle these debts? I'm morally opposed to paying bottom feeders like Midland and Portfolio, but I need to get my scores back to a reasonable point, and the damn collections from JDBs are what's really screwing it up. Also, I'm concerned that since half or more of my debts are now owned by Midland, if they are in any way successful with this lawsuit, they will charge full steam ahead and go after me for all of them. I can see it really opening the flood gates, so to speak. What would you do in this situation? TIA, TQG
  12. Hello, If anyone with experience could read this over and please tell me if I'm heading in the right direction, I'd be FOREVER grateful. Thank you! (I live in TX) I was served on March 18th a JUSTICE CIVIL CITATION by Midland Funding. Original creditor: Synchrony Bank Card/Account name: JcPenney Claim total: $2889 Date account opened: 11/02/2005 Date account closed/charged off: 03/11/2018 Date of acquisition: 04/27/2018 Backstory: we were displaced back in June 2017...we were given 30 days to pack up everything we own and find a new house (we had been there 12 years). Our rent went from $700/mo to $1250/mo and I was completely unprepared for that price jump so I had to stop paying on a couple of my credit cards. Fast forward to this year...as I mentioned, I was served on March 18th and my response was due on April 1st. I completely forgot. And then three weeks later, my 12 year old nephew committed suicide. So, THAT was an obstacle in itself. It has taken me months JUST to get back to "normal" from the depression/etc. So now, here I find myself in September already, looking at a letter titled DEFAULT HEARING NOTICE (rcvd 08/29/19). It says I have a default hearing set to be held on September 20th. I know I'm cutting it SO CLOSE, but what options do I have right now? I did some research and found that I should still be able to file a MOTION TO SET ASIDE DEFAULT JUDGEMENT and NOTICE OF HEARING, with the reason that I didn't attend the hearing due to "accident or mistake rather than intentional or conscious indifference". Is this true? I keep seeing conflicting information (or I'm not comprehending it completely). I also saw in the forums that Synchrony Bank does arbitration. I was successful in beating Midland about 4 years ago by going through arbitration, SO if I am able to get the judge to set aside the default hearing, my plan is to ask for arbitration.
  13. In 2017 my wife had a mini stroke which resulted in a roll over accident. She suffered a broken back, ankle, leg, ribs and PTSD as a result. Recently our auto insurance has notified us that they refuse to renew our policy based on a consumer reporting agency report that indicated the highway patrol believed my wife was drunk at the time of the accident because she couldn't talk or walk. She went to court, it was determined that she suffered a stroke and the DUI was dropped. She was NOT convicted of any impaired driving offenses. BTW.... My wife also suffered from head trauma which has resulted in loss of memory. She is now fully disabled and only drives when necessary in a handicapped equipped vehicle. She was unable to provide a breathalyzer as she had a collapsed lung upon removal from the vehicle. However the report exists that she was impaired and they believe it was alcohol related...... Please help. We are retired and can't afford this type of insurance. My wife was 56 at the time of the accident with no priors on her record. Now we are searching for a new auto insurance provider and want to locate one that does not pull reports from data miners (who often get things wrong) and will not use these consumer reporting agencies. Can anyone advise me?
  14. I just discovered that my Chex Security Freeze was removed after seeing on my TransUnion report, in the supplemental information section, info about Chexsystems and checking account inquiries. I called them up and they informed me that previously they automatically cancelled your security freeze after 5 years, but their policy has now changed and they are now permanent. I explained removal without my permission sounded like a violation of California state law. I had to call their freeze department at 800-887-7652 and request a new security freeze be added to my credit report again.
  15. Hello everyone. In 2015 I had a horrible financial crisis, my business was suffering as it is and then I discovered I had terrible illness that was life threatening. Coupled with my wife and I have a our firstborn child and her being laid off after a decade of job stability. I had a choice of paying my credit cards or putting food on my families table so opted for my family. We stopped paying on all our credit cards in 2/2016. I'm finally now getting on my feet after all this time. My wife is still not working and looking for a job at the moment. A few months ago, I got hit with my first lawsuit from BofA for $4,400. I didn't have a lot of time to respond, went to court, and opted for a 3 year plan of $132.00 per month. I tried to do a settlement with them but their atty said, "They won't really come down much". When I asked how much, "Basically they will come down only to $4,100." I was frustrated and since I didn't know how much of these things are negotiable or even if they are, I just opted for the monthly plan. Now my fear of the another cc is in play and it's an almost 26k credit card. They served me last month. I filed a motion to give me till the end of the month as I stated that I'm seeking legal console. I'm self employed as an employee of my company (so W2'ed) and have a small job (1099) that is truly part time making $800 per mo. So I only made 10k this year but the issue is, I have business income pending this coming week for 55-80k. BK atty's told me I would not qualify due to the pending income as that has to be disclosed of course but that's "if" these transactions do close. This is the 2nd lawsuit and now my wife got her first suit last week for only 1k. Guys and gals, please help as I'm freaking out! I have been through so much and I'm just exhausted and mentally drained. I had a very legit reason as to why I'm in this mess and though I could have filed BK 3 years ago, I felt it was my duty to avoid BK and pay what I owed. I wasn't borrowing all that cc debt for foolishness. I had a struggling business I was trying to keep alive as I believed in it but then ended up being sick with my wife losing her job. Worst season in my life not knowing if I was going to live with a new born in fear of leaving my wife as a widow and child fatherless. :( My 2 lawsuits are with different creditors but represented by the same attorney. Do I call the creditors and make an offer or do I call the atty? Since I can't file BK now, I would imagine the next best option is to do a settlement with them? PLEASE HELP EVERYONE! The weight of the world is on my shoulders. I could cry.......CB has been hopeful with the great advise of other issues I've posted. Please help. What should I do?
  16. I signed up with a trainer (foolishly from a google search) for some sessions and he used Square, swiping my credit card. I didn't know him and figured it was safer than cash. Paid him for 10 sessions I signed up for another round $1200. I checked my CC statement and saw he charged me $1200 twice. I figured it was just an oversight and when I asked him to fix it, he apologized and said he would fix it. Instead he charged me an additional $1200 AGAIN for a total of $2400 unauthorized charges. When I called unhappy after it was not fixed the second time , but made worse, instead of refunding immediately, he got very defensive, says he never got it, it was a problem w Square and to dispute it. His story changed multiple times, so I don't believe him, but disputed it. ("you'll have the money in 3 days" then, no "it's easier if you dispute it".etc) It was around Christmas, so I think he figured he'd hit my card because he needed $ and would repay it later and apologize. The CC company gave me an immediate provisional credit of $2400 and say they will have a decision in 90 days after investigating. CC company sent me a letter saying the are requesting info from the vendor, (him) if it's a legitimate charge. I assume Square can track exactly where the money went. Like did square deposit the money to his bank or not. Does anyone know what happens it a situation where the vendor actually tells you to dispute it? I have a hard time believing him, but maybe I am wrong. From what I can tell, Square is reliable and not prone to accidental overcharges. I just want the $2400 back and have moved on. Thank you for any guidance.
  17. Hi, there was a wells fargo account credit card account that was charged off years ago in 2011 but the accounts last payment is showing 2013. here are some more details: Account Status Closed Payment Status Charge-off Status Updated Oct 1, 2013 Usage 125% Balance $1,498 Balance Updated Jan 2, 2019 Last Year I received an IRS letter stating that I didn't report the charged off amount as income for my 2016 taxes. Wells Fargo cancelled the debt and sent it to the IRS on the last day of the year in 2016. As soon as i received the letter i paid the debt in full. Here's where I'm stuck on how to proceed. My credit report still shows the full charged off amount even though I paid it to the IRS when requested and i cant get it removed no matter how many times a dispute it. According to experian the account will be removed from my credit report at the end of this year in 12/2019. I need some more information because I don't want to do anything have the clock be reset on when the account will be removed. ( I'm afraid of a situation where if any new information is inputted resulting to a reset of the 7 year rule) Should I give up and wait for the account to be removed? Or should I press further and keep trying to have it corrected. And if I were to do so, what is the best way of going about it? Thank you so much for the help.
  18. Hello! The day after Christmas, I checked my EQ report and found that a particularly scummy CA that's known for this practice dropped a collection on my previously clean report. It's an alleged payday loan from 7/2012. The CA has never contacted me in any way. I see from my research that reporting a collection on a report is considered to be first contact. Since then, it's been added to TU too. As I craft my dispute, I wanted to confirm a few things and how to word and prioritize the items on my dispute letter. 1. The date it was assigned was 12/19/18. 2. The date it was reported was 12/24/18 (obviously, this doesn't allow for the 30-day dispute process, but if reporting on a report is first contact, that may be moot...?) 3. Since that first contact, including allowances for the holidays, I have not received the required dunning letter within 5 days of first contact. 4. In reading the April 22, 2017, post from ICanHasMuny? on this thread (link at the end of the post), this type of account shouldn't even be reported: "EX TU an EQ won't accept the following information from furnishers effective june 2016 - so if you have this type of information still on your reports, DISPUTE IT OFF ... check cashing companies payday loan companies" I'm pretty hacked off about this... the DOFD is 7/2012. I don't have an exact date yet. I appreciate any guidance on disputing this, especially regarding the wording and citations. I haven't had to deal with any negatives in a few years, and this was a shock. Thanks very much!
  19. I live in Illinois. We have a defaulted 2nd mortgage that is over ten years old. The statute of limitations in Illinois for written contracts is 10 years. The 2nd was taken out in 2005 stopped making payments in 2007 and filed for BK in 2009. Besides their lien still being attached to my home, I can't see any situation where they can foreclose this late in the game without me making a payment starting the statute of limitations all over again. Thoughts??
  20. Hey guys, I have about 6k which I need for living expenses. I've defaulted on 30k so my creditors can wipe me out completely if they levy an account with funds in it. My situation is complicated by the fact that I need to take payments by Paypal (for some freelance work). Is Paypal a dangerous place to keep money? I assume so. I'd guess that physical currency is the safest from judgments, but obviously carries other risks. I have an Amex Bluebird reloadable prepaid debit card that doesn't attach to a related bank account (that I know of). Are those safe to store money on? Are there any safe places I can ask a client to send a check to be cashed, that will be somewhat safe against a bank levy? Feels like I'm in one of those dystopian police state movies now as the guy on the run. Thanks for any help.
  21. Fresh off the Printer! CDIA's Popular FCRA Booklet Updated to Include S.2155 the Economic Growth, Regulatory Relief, and Consumer Protection Act Order your replacement FCRA booklet today! CDIA's popular FCRA booklet has been updated to include the Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155). Now known as Public Law 115-174, the updated provisions related to the Fair Credit Reporting Act (FCRA) are: TITLE III—PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS SEC. 301. PROTECTING CONSUMERS' CREDIT. SEC. 302. PROTECTING VETERANS' CREDIT. TITLE VI—PROTECTIONS FOR STUDENT BORROWERS SEC. 602. REHABILITATION OF PRIVATE EDUCATION LOANS. Formatted in a convenient, portable size, the CDIA's popular FCRA booklet contains the text of the Fair Credit Reporting Act (FCRA) and all subsequent amendments to the Act. It provides an easy way for you to quickly reference specific provisions of the FCRA. This 93-page mini-booklet is an indispensable resource to users with FCRA compliance responsibilities, such as CRAs, lenders, and data furnishers/users. Stay up to date with your regulatory obligations under the FCRA — an important core risk management function. Order your updated FCRA booklet today! $27 for CDIA members $47 for non-members Save with the purchase of 10 or more FCRA Booklets!* 5% off orders of 10-24 booklets 10% off orders of 25 or more booklets *Discounts are applied automatically. For more information, please visit CDIA website or contact CDIA Education Services or at cdia_training@cdiaonline.org or (202) 408-7417. I just cut and pasted my email. I don't know how long the links will be active from the CDIA.
  22. Apparently I'm good at pushing legit business boundaries too far as I keep getting blacklisted for permitted behavior as previously Chase blacklisted me for using their $500 offers too many times a few years ago and Fort Knox CU refuses to let me add an authorized user to my gas credit card. Just got a letter (apparently an ECOA notice since it includes the required small print) from USAA stating that they are going to close my credit card account due to "unacceptable behavior or activity" and stated they will take next steps of: Discontinue my bank access to usaa.com and banking services available through that site. Deny applications for other USAA products and services. This is annoying as I'd like to know what I did wrong so I can avoid repeating it in the future with another institution. I called them up to ask, what exactly was the issue and they had nothing to offer other than "unacceptable behavior or activity" and a supervisor was even less helpful and wanted to get off the phone quickly. I asked how do I know the unacceptable behavior is not the church I attend or due to a bug in your computer systems? They had no useful response. They also had no response to whether this would impact my DW or children. They did say that my home, auto, renters, and umbrella insurance policies are not affected, although I expect my premiums will go up without the banking relationship in the future. It is unclear to me from the letter whether they are closing my banking accounts. It appears to only say online access is to be removed. Letter is dated beginning of October, and I still have online access as of today and my checking/savings (joint with DW) are still open. I also received two letters by overnight FedEx, dated a couple days later, and left on my doorstep with no signature taken that I found recently. These letters, one to me, one to my wife, stated: In keeping with USAA' s core values and our commitment to our membership as a whole we are discontinuing your business relationship with the USAA Investment Management Company (IMCO). Both the brokerage closing letter and the credit card letter are very vague as to what my sins are in their eyes, but I share this here in the hope that others way try be able to avoid a similar fate or may have other advice or suggestions. My USAA membership was opened around 2010 shortly after I joined CreditBoards and my credit card was opened around 2016. I've come up with a list of possible actions I've taken that could possibly be the source of their institutional displeasure, which I've tried to rank using my estimation from highest probability to lowest probability: About 3 months ago I discovered that for my joint checking account I could ACH transfer in $5,000 per login per business day with no hold, so I could do $5K and my DW could do $5K on the same day and I did this about 4 times over the last 3 months to avoid having to do it over two days from just one login. My checking account was my ACH hub, I transferred large amounts of money through USAA between USAA and other banking institutions, using ACH in and ACH out. Other than the transfers, I did not maintain a significant balance in this account. For example, I paid my rent each month by ACH and I used their ACH to create activity at other financial institutions that require ACH for a free account. My daily ACH limit in and out were each $8,000, but for no hold on transfer in, limit was $5,000 with excess amounts having a several day hold, however, it would also allow $5,025 per day with no hold, which I often exercised. About 4 years ago, I used their CCT service they rebranded under the USAA name to bump inquiries from Equifax by pulling my credit report daily using automated web scripting. I know an officer in the military that feels wronged by me for enforcing a contractual relationship in a way they felt was unfair. Could this person have contacted USAA proactively to get them to blacklist me for this auto bump activity? I only used my credit card for balance transfer offers, twice at 0% and never paid them any interest other than the transfer fee. I applied for CLI and got one up to $30K limit about 9 months ago. They even sent a new 0% balance transfer offer on this account about 45 days ago, which I did not utilize. About two years ago, I had an ACH overdraft due to funds held uncleared at the bank it was drawn upon, but it did not pull overdraft from my credit card, so I covered the overdraft within about 5 days. USAA complained that I had a low balance in my brokerage account about a year ago, so I raised the balance to $500 to meet their requirements for non-closure, I never had any trades in the account and maintained it to get additional discounts on my insurance. (This brokerage account is the subject of the overnight FedEx closure letters.) I got an extended fraud alert added to my credit reports about 45 days ago. (Since their adverse action letter made no mention of a credit reporting agency, I imagine this could not be the case. I think I will make sure and get all three reports to see if they soft pulled my credit report and failed to divulge.) My savings account was never really used and was maintained with a small balance. Perhaps it is some combination of the above? Or if none of those seems likely, then could there be some kind of computer glitch I am the unfortunate victim of? Should I be concerned that USAA will be looking to non-renew my insurance policies now despite the CSR saying no impact to insurance? Does it make sense to file complaints with: CFPB OCC For example, I could complain that the 1002.9 regulations require: (2) Statement of specific reasons. The statement of reasons for adverse action required by paragraph (a)(2)(i) of this section must be specific and indicate the principal reason(s) for the adverse action. Statements that the adverse action was based on the creditor's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor's credit scoring system are insufficient. And the "Official interpretation of Paragraph 9(b)(2)" from the same link says: 2. Source of specific reasons. The specific reasons disclosed under §§ 1002.9(a)(2) and (b)(2) must relate to and accurately describe the factors actually considered or scored by a creditor. 3. Description of reasons. A creditor need not describe how or why a factor adversely affected an applicant. For example, the notice may say “length of residence” rather than “too short a period of residence.” 6. Judgmental system. If a creditor uses a judgmental system, the reasons for the denial or other adverse action must relate to those factors in the applicant's record actually reviewed by the person making the decision. I'm not sure USAA has complied as 2) I do not feel like I got an accurate description of the factors actually considered by USAA when they say "unacceptable behavior or activity", but is that covered by 3) their not needing to describe how or why the factor affected me? Would their reasons be considered 6) a judgmental system, in which case, how do I know the adverse action related to factors in my record actually reviewed by the person making the decision? What would be the basis for any complaints to CFPB or OCC? Any other thoughts or ideas?
  23. https://socialchangenyu.com/review/consumer-protection-and-tax-law-how-the-tax-treatment-of-attorneys-fees-undermines-the-fair-debt-collection-practices-act/#TOC.III.B
  24. [Offered With limited Commentary] Education Secretary Loses Lawsuit on Student Loan Forgiveness https://www.forbes.com/sites/zackfriedman/2018/09/17/student-loans-lawsuit-devos/#705b3a463230 Loan Forgiveness is a Poor Use of Taxpayer Money https://www.forbes.com/sites/prestoncooper2/2018/09/07/loan-forgiveness-is-a-poor-use-of-taxpayer-money/#159b390f7b89 Despite Powerful Allies, Problems Persist in For-Profit Education https://www.forbes.com/sites/joshmoody/2018/09/17/despite-powerful-allies-problems-persist-in-for-profit-education/#4fce87b364cd The last article also mentions Education Corporation of America, mentioning they are closing 26 locations by 2020. Rather than the ITT or Corinthian route of just leaving students hanging with worthless credits and a stack of student loans, ECA is allowing their students to finish out their programs but are no longer accepting new enrollments. Maybe it's because prospective students are finally figuring out the truth about these diploma mills and avoiding them like the plague?

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