31–40 of 59 posts
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It's cheap to freeze your credit report.
It should be free. There is absolutely zero reason why I should have to pay to see my credit report at any time, or decide that I wish to freeze my credit at any time.
Earlier quoted context omitted.
It's cheap to freeze your credit report.
It should be free. There is absolutely zero reason why I should have to pay to see my credit report at any time, or decide that I wish to freeze my credit at any time.
Might be an insight into what happens when Equifax appeals.
i'd also worry about removal to federal court and consolidation - now that a judge has actually raised a federal question about the fcra
Hi. Read this article a few hours ago, and went down a rabbit hole of agony. I am a victim of the equifax breach apparently. I checked my credit report (on creditkarma.com) for equifax, and realized that there were two hard inquiries which pounded my score down about 40 points. One from Verizon (never have I ever done business with them); one from Paypal Credit (same). I ended up contacting both companies and placing…
The fraud alerts aren't good enough - I'd recommend freezing your credit (and just sucking up the $10) on all three credit bureaus. That'd be Equifax, Experian, and Transunion. You can also freeze your credit at Innovis to get all four. The freeze will require them to contact you before doing anything. The alert doesn't do much in practice (from the people I know who've had it) - it's just ignored.
This may be the pragmatic approach, but it's also why these companies still exist.
At risk of being too blunt - fuck that shit. I will spend thousands before I give them a dime of my money. I have zero business relationship with them, and I consider such crap absolute extortion. The world is a better place without credit rating agencies. Heck, I remember a point in time where it was questionable whether these companies were even legal to begin with. So far have we fallen.
These are things people should be getting violent about.
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Those corporations are just as subject to these kinds of laws (there are other laws that they are de facto immune from but let's not get into that). The bank of america case elsewhere cited is a famous example. In my case, a few years ago: ADP double-debited our $250K IRS payroll tax deposit from our payroll account (pro tip: never allow third parties to make automatic withdrawals from your main bank account -- use a…
A friend of mine is an attorney. His client had a judgement against a relatively small bank. In his words, the bank was being a "horse's ass" and not paying. He got a judge to sign off on the sheriff assisting in collection. The client was about to be a proud owner of the servers run by the bank. When the sheriff arrived, the bank manager immediately called their attorney to call the client's attorney (my friend) and…
I've always wondered what happens if you say too bad so sad, you had your chance - I don't believe you that the check is "in the mail". Will the Sheriff still let you collect assets?
If so, I'd absolutely cause them as much pain as possible. Typically in these cases you've already lost tens of thousands of dollars in legal fees and lost time, so the goal isn't recovering your money - it's simply extracting as much pain as possible.
Also, taking a photo of yourself during a court hearing to post on your blog promoting your company is probably not a good idea considering photography is banned and it can get you charged for contempt, even after the fact.
Update: Author has taken the photo down, although it would be nice for him to provide an update to his readers saying as with all small claims cases, the judgement is suspended for 30 days and as such, he didn't actually win anything yet.
Earlier quoted context omitted.
The fraud alerts aren't good enough - I'd recommend freezing your credit (and just sucking up the $10) on all three credit bureaus. That'd be Equifax, Experian, and Transunion. You can also freeze your credit at Innovis to get all four. The freeze will require them to contact you before doing anything. The alert doesn't do much in practice (from the people I know who've had it) - it's just ignored.
> I'd recommend freezing your credit (and just sucking up the $10) on all three credit bureaus. This may be the pragmatic approach, but it's also why these companies still exist. At risk of being too blunt - fuck that shit. I will spend thousands before I give them a dime of my money. I have zero business relationship with them, and I consider such crap absolute extortion. The world is a better place without credit r…
I want to avoid giving them money but Equifax handles my W2 for some reason.
One note, this is a big PR piece for the author's business, Legalist. Disclaimer really doesn't come until right at the end.
Earlier quoted context omitted.
A friend of mine is an attorney. His client had a judgement against a relatively small bank. In his words, the bank was being a "horse's ass" and not paying. He got a judge to sign off on the sheriff assisting in collection. The client was about to be a proud owner of the servers run by the bank. When the sheriff arrived, the bank manager immediately called their attorney to call the client's attorney (my friend) and…
> When the sheriff arrived, the bank manager immediately called their attorney to call the client's attorney (my friend) and tell him they're writing a check. I've always wondered what happens if you say too bad so sad, you had your chance - I don't believe you that the check is "in the mail". Will the Sheriff still let you collect assets? If so, I'd absolutely cause them as much pain as possible. Typically in these…