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Thursday, September 06, 2007

Word to the wise: Never arm a blond gal with a little knowledge - she will run you over quicker than a fashionista on her way to a Manolo sample sale.

Over the past few years, I've been viciously attacking my credit report, and thankfully I did because when I pulled my scores this week, I saw that in about a year, my score jumped: Transunion +44 pts; Experian + 70 pts and Experian - 12 pts. WT??? Seriously - these three need to get their heads together. I have a few things I'm going to be attacking for 4th Quarter 07.

• Reduce CC debt. I am planning to pay off 4 cards. They raised the limit on one of my cards without me even asking. The ones I did ask for were denied because they raised them "recently" (recently meaning last year and even then it was only $100.) While I won't be closing those, I will keep those for "emergency" and start closing out eventually.


• Work on on the errors contained within the report. I.E. Verizon, for that daggone cell that H. had me get - well, they charged an amount of $2k (mind you he did that in ONE month), but then they also created ANOTHER account for $612. Another credit card company (back when I moved down here eons ago) took it upon themselves to issue a new card, but I never authorized nor activated it. Their version of "verification" - screen prints of their account system on a computer - no signature, nada authorizing it. Why - because they don't have it. Also - the first card I had with them was secured, sold off to a new bank (Merrick) and they never applied my security deposit. I made mistakes, but I've been extremely good with my credit to date. I got a second chance in 2005 and learned a valuable lesson - NEVER co-joint-authorize NADA! You would think I would have learned with Mark, but then I made the same mistake with H. Never again will I do that. Lesson learned.


• Start a fight with the credit bureaus over their "verification" procedures. I've spoken with some of the characters there and, let me tell you, I now understand why some lawyers dumb down the letters. While it really offended me at first, I now see that perhaps Lexington Law has a few things up their sleeve. They did delete a number of things off my report.


• Start a fight with the false judgment in Massachusetts. Apparently this is becoming a widespread problem. I've had one of my colleges who previously told me I had "student loans" and I took classes there for a FULL YEAR. Well, some time after I left them to return back to Bay Path [which is a whole other ballgame but I'll save that for another day] after I decided to not go to law school, this college changed their position and said I "didn't have student loans". However, they forgot to notify yours truly. No letter, no call, nada, nil, nothing. Riddle me this ****, what am I paying for then?
  
  Very recently, this well known school had their General Counsel send me a nasty gram with this ridiculous 2 line settlement agreement. First of all, this is a general counsel of an academic institution with a law school and they send me a 2 line settlement agreement unenforceable under Florida law. Hell I could challenge it under Mass law. And, the interest is way more than the amount owed (and I say WAY more - close to amounts that should be deemed illegal but I'm not a lawyer). Obviously, if you can send me a letter at my NEW address that I just moved into now, but couldn't send any correspondence from 1992 + and this is the first I heard about it - isn't something a little fishy? And, the piece de resistance - they took a known shady law firm who got a false judgment with three of my addresses smooshed together in a town where it would have never been able to be served. I found out in Massachusetts this was the norm and the court system would allow it. (Check out the Boston.com series here.) They are trying to make changes now to the system. I'm waiting for the third letter to put an arrow in her snooty behind, with of course, copies going to the President of the School, local news agency and their director of alumni affairs (did I mention my dad is an alumni?) as well as the Board of Bar Overseers for the crooked law firm who filed the false judgment. If I have to fly home to argue it before a judge and retain counsel in town, I'm more than happy to do so, even looking up a former boss to see if he'll take the case for me. Eat that, ****! Oh - and if I have to, guess who's going to be paying legal fees, costs, etc. - not moi. The college will have that lovely bill. Perhaps they should take that out of the GC's salary. Research, sweetheart, research.

That's the shortened list, but wish me luck. I'm getting feisty again...

Labels: Goals, PF

Posted by Lys :: 5:04 PM :: 1 comments

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