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Wednesday, November 30, 2011


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Most of the companies onrffieg to fix your credit are bogus. If the derogatory items are truly yours it will take from 7 10 years to be removed . A huge misconception is that if you paid up chargeoffs , liens , any delinquent debts .the only thing that changes, as far as your credit report, is that they will show up as having been paid. That's better than still having an open balance but the reporting of the delinquencies remains. What a lot of these bogus companies do is to dispute every derogatory item on your credit report because they know the Credit Bureau has to remove them for 30 days while they investigate. If the debts are yours, 30 days later they're back. The first thing you should do is get a report from all 3 repositories. There is a website where once a year you can get a report from all 3 bureaus at no cost to you. Be sure the free one is the one you use. Look for inaccurate items,,,,,,,,a debt that is not yours, delinquency you can document as never being late that kind of thing> If the debts are yours don't bother to dispute. Right before closings most mortgage companies and banks pull a second report just to see if any new debts show up or a disputed item is back.


This move by the FTC towards legal remiureqents that will affect cyber marketing in general is very interesting. Before any legal remiureqents (vs. Guide lines) are implemented my concern is, will protecting our privacy in this manner affect our other civil rights?The information highway is the most lucrative business in existence. Selling information, gathered in cyberspace or otherwise, brings in more revenue than pornography, drugs (legal or not) or international arms sales. Virtually everybody, governments, corporations, charities, the PTA, buys, sells and trades information. This will of course mobilize those with the most to gain to prevent any restrictions that may affect their information sourcing. Therefore it might be safe to speculate that while our freedom to privacy may be affected, our freedom of speech will not.

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