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jack1212

My 8,000th Post Ramble...

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In honor of CB’s Birthday, Here are some thing I Learned over the Years.

 

This is my 8,000th post ramble. Any yes I stole the idea from Jen23514.

 

These are things I learned over the years…..

 

 

1. Read the Newbie Section, even if you are a Vet. You’ll be surprised what you missed.

 

2. If you have several thousand posts, and someone with say 300 or less corrects you, don’t take offense. Learn from it.

 

3. Just because someone has only a few posts, does not mean they are clueless. I have seen some very smart members with less than 200 posts.

 

4. Patience is a Must.

 

5. Papertrails are your Friend.

 

6. Never send a letter without knowing WHY you are sending it.

 

7. When in doubt, send nothing until you do your homework.

 

8. Don’t expect to learn everything overnight.

 

9. Never throw away anything. The smallest thing can save your butt later.

 

10. There’s no such thing as a Stupid Question.

 

11. Inquiries are overrated.

 

12. Take a break when needed. Take care of yourself.

 

13. You will disagree with people and they will disagree with you. Not all laws are 100% clear.

 

14. Never underestimate caselaws. Just make sure they didn’t get reversed.

 

15. Never copy and paste letters word for word. There is not a “Magical†letter for all situations.

 

16. Experian is the most stubborn, Transunion is Clueless, and Equifax is right in the middle.

 

17. See number 5 again.

 

18. Litigation should be your last resort, not the first. Courts want to know why you didn’t try to work with the other party before filing.

 

19. Stay off the phone with CA’s.

 

20. 100% of Collectors will lie 100% of the time. (Credit Junkbuyersworstnightmare)

 

21. FTC Opinion letters are Great for law interpretation. But OPINION is the keyword.

 

22. Give any CA enough time, and they WILL hang themselves.

 

23. OC’s are 95% willing to work with you if you work with them, before you go default.

 

24. Bump threads for other members, someone else may have the answer you don’t.

 

25. Just because it’s a paid, valid, debt, does not mean it’s reporting accurately.

 

26. Once your rights have been violated, Validity of the debt is not an issue.

 

27. There is no law that says an any account must be reported at all. Only that it’s accurate.

 

28. Always start off nice.

 

29. See number 5.

 

30. FCRA 623 is your Friend. Read it.

 

31. I don’t know everything and don’t claim to. I have admitted when I was wrong.

 

32. You know you been here too long when you get excited about getting a dunning letter.

 

33. The first 30 days of an initial dunning letter is your friend.

 

34. CA’s are reporting the DOFD as the date they opened the account. Watch for that.

 

35. Watch for phantom payments. Then demand proof of it.

 

36. CA’s count on default judgments.

 

37. If it wasn’t sent certified, you didn’t send it.

 

38. Be specific in your thread topic. Many members specialize in certain areas. It will get your thread more attention. Such areas include: Medical, Specific CC’s, Caselaws, Violations, Utilization, disputing, etc.

 

39. NEVER dispute based on anything other than your Official Hard Copy Reports. 3 in 1 Sites are good for keeping ahead of the game, but that’s it.

 

40. Ignore FAKO scores.

 

41. Don’t pay someone to fix your credit. You can do it yourself. For less.

 

42. When doing a PFD, if you have no agreement in hand, it’s no deal.

 

43. Don’t jump for joy until you have the CRA deletion results in hand.

 

44. Know the difference between the SOL Collections and SOL reporting period.

 

45. Know the FDCPA, FCRA, FCBA, and your State Laws.

 

46. Find that one person to target and stay on. You don’t need 10 people to “review your account†every time you have an issue.

 

47. Just because they are an NACA attorney, does not mean they are the best ones to take your case. Shop around.

 

48. Never send an ITS letter unless you are serious.

 

49. The Search engine is your Friend.

 

50. Never ignore a summons. Answering that alone got my case dropped.

 

51. Method of verification from a CRA are generic and pointless, unless you want a papertrail. Don’t expect details.

 

52. Don’t lose hope. I had one CA that told me at least 8-9 times that they would not delete the account. Persistence pays off, because they did.

 

53. If you have too many inquires, lay off the Luv button!

 

54. Be creative. Combine laws if possible. Look at jens 1-2 punch.

 

55. Taking the phone away from a collector is like taking a gun away from a bank robber. Don’t give them power over you. Never be afraid of them. Once you learn the laws, you will be laughing at them.

 

56. There comes a time in which you have to quit screwing around with the CRA’s and Hound the Data Furnishers. Don’t let them point fingers at each other.

 

57. If they state “It’s going legalâ€, ask for the court date and when they are free. Those are some of the quickest hangups I have ever got.

 

58. Look back through all statements, responses, letters, etc. If you look hard enough, you will find a screwup to use to your advantage.

 

59. If you give a CA your banking info, it’s your own fault. Don’t complain.

 

60. The CA should be saying “What do we have to do to get rid of this guy�??

Make THEM upset.

Hell, make them throw chairs down the hall.

 

61. See Number 5.

 

62. Most OC’s. CA’s. and CRA’s will care less until they get served with an actual summons. They are threatened with suit thousands of times per day.

 

63. Remember, your letters are being wrote to the courts. Be professional.

 

64. Strike with the force of 1000 Pit Bulls and DO NOT STOP until they beg for mercy.

 

That’s my “Streetfighting†experience.

 

Later!

 

Jack1212

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Happy 8000th post, Jack. The Jack Attack remains a classic. :lol:

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Happy 8000th post, Jack. The Jack Attack remains a classic. :lol:

 

Heh, i wonder who named it that?

 

I swear i didnt!

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great ramble...

 

cheers :while raising beer glass:

 

happy B DAY CreditBoards...thanks for the memories...

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Happy 8000th post, Jack. The Jack Attack remains a classic. :lol:

 

Heh, i wonder who named it that?

 

I swear i didnt!

 

 

It's a great name and very fitting. Obviously, we've got some fans of "The Incredibles" DVD, Disc 2, on here. :good:

 

 

And the funny thing is...my name actually is Jack (Shhhh....it's a secret), so every time I see someone post something to "Jack" (you), I do a double take. :yahoo:

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Bravo! I like number 60....I am sure I have made some OC's and CA's curse my name and wish bad things upon me....

 

:lol:

 

Ha, thats my personal fav.

 

Sorry Bastages.

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:lol::yahoo: to your post, and thank you Jack for all the help you've so generously provided to other members.

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Jack,

 

#9 is so true. Don’t throw away anything. I was able to use a letter from Asset that is 3 years old to get them off of all three of my credit reports. I reviewed the letter last year once I got serious about cleaning my credit. I was trying to find at least one violation. I noticed that the letter was dated February, 2006 with a notation at the top of the letter that said, “First Noticeâ€. Then I noticed that the “date placed for collectionâ€, “date opened†on my credit reports was April, 2005. Obviously they trashed my credit reports before they sent me a letter . . . VIOLATION!! I would not have seen this or realized the importance of it had I not been educated by Creditboards! Sent my letters to the AG, BBB and FTC explaining this violation (along with other violations) and Asset went poof.

 

Nice list and congrats on your 8000th post!! You've been my hero on several occasions!

 

Happy Birthday Creditboards . . . couldn't have done it without you! :lol:

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Good stuff.

 

And yes, credit repair brings out the latent pack rat in all of us.

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In honor of CB’s Birthday, Here are some thing I Learned over the Years.

 

This is my 8,000th post ramble. Any yes I stole the idea from Jen23514.

 

These are things I learned over the years…..

 

60. The CA should be saying “What do we have to do to get rid of this guy�??

Make THEM upset.

Hell, make them throw chairs down the hall.

 

 

 

Jack1212

 

 

LMAO!!

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LMAO!!

 

I was like "Wow Jack made 531 posts in one day?"....

 

 

then I remembered I read this before and looked at the date posted.

Edited by triger716

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Jack, You are a true hero of these boards, but you forgot one, If you call BullSh*t on bullsh*t make sure you don't step in it yourself. LOL

 

LOVE YA JACK!!!!!!!!!!!!!!!!!!!!!!!!

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I sent my first Jack Attack the other day!

 

Thank you for your contributions, am printing out those words of wisdom to remind myself and give to others!

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