begin quoting Paul G. Allen as of Mon, Mar 26, 2007 at 09:21:30AM -0700: > On Sun, 2007-03-25 at 18:32 -0700, Lan Barnes wrote: > > > > > Ever check your credit report? Ever try to get something false off it? > > No, but now I'm curious as there may be a few things on my credit report > that are not legit that I may want to have removed soon. For example, > Wells Fargo reporting I never paid the balance on a secure card when > they never gave me the deposit back nor applied the deposit to the card > (not to mention the way they canceled it to begin with). Also Target > charging me late payments and interest when they took 3 months to inform > me where to send the payment to begin with (and over a month to send me > the card in the first place - initial purchase was in-store when I > applied for the card). Did you get a lawyer involved?
> I know there are federal laws (namely, the Fair Credit Reporting Act for > one) that they and creditors must abide by (OK, should, they only MUST > do it when someone calls their bluff and they concede either before or > after being taken to court). The penalties are pretty toothless, I think; you need loads of money before it's worth the legal fees. Tell me again the libertarian hall^Wdream of private industry not needing regulation? > Have you had experience trying to have something removed? What was it > (the experience, I'm not asking for personal details about whatever the > negative report was). Yup. Sometimes it's as easy as a letter contesting the issue. Other times it's a letter and half-an-inch of supporting documentation (Hello Sprint, you lying bastards!) showing the consistent history of abuse. Other times it's not worth the legal fees it would take to get a lawyer involved, and it's just a matter of letting it expire by itself. The question I have ... is it worth "correcting" the multitude of obviously corrupted addresses? -- Living on a street with a Really Long Name can be amusing. Stewart Stremler -- [email protected] http://www.kernel-panic.org/cgi-bin/mailman/listinfo/kplug-list
