http://www.equifax.com/EFX_Canada/consumer_information_centre/ownreport_e.html
http://www.equifax.com/EFX_Canada/consumer_information_centre/docs/Request_Report_Form_e.pdf
http://www.cbs.gov.on.ca/mcbs/english/56VMM5.htm
http://www.cbs.gov.on.ca/mcbs/english/245e_3ea.htm

Subject: Credit scoring
Date: Tue, 16 Oct 2001 23:23:12 -0400
From: xxxx@xxxx.xxx
To: gfisher@erinet.com

I was sufing the internet in search of the very same question you are asking how do I improve my credit score. I was told you could go to www.myfico.com and pay a fee to get some advice. However, I totaly agree that its unfair to keep this number a mystery. Your credit score keeps you from obtaining things like a house or a car. Anyways, I was really impressed by the amount of time you spent contacting the people at Equifax and that you posted all that information on the internet. Thanks for looking out for the people.

Subject: credit question
Date: Wed, 10 Oct 2001 15:29:59 EDT
From: xxxx@xxxx.xxx
To: gfisher@erinet.com

Hi Mr. Fisher,

I read about you in an article on AOL, "7 steps to fixing your credit report".

Can you clarify something for me or refer me to someone that can?

I filed for bankruptcy in 1993, it was discharged in 1994. At that time I was told that current law said bankruptcies would be removed from my credit report in 7 years. I understand that today they stay on for 10 years. It has been over 7 years, can I get it removed from my report? or do I have to wait 10 years?

Thanks for your time!

In 1992, in a document entitled "Facts For Consumers, Solving Credit Problems," the FTC stated that "Credit bureaus are permitted by law to report bankruptcies for 10 years and other negative information for 7 years."

Subject: Re: credit question
Date: Thu, 18 Oct 2001 10:36:30 EDT
From: xxxx@xxxx.xxx
To: gfisher@erinet.com

Thanks so much for responding to my inquiry. Your info was quite helpful.

Subject: a credit problem
Date: Sun, 7 Oct 2001 22:28:45 EDT
From: xxxx@xxxx.xxx
To: gfisher@erinet.com

Hello, Mr. Fisher,

I am writing to you because I have a credit report problem well my wife has a problem which in turn makes it mine as well. You see in 1998 my wife [wife] was pregnant with our son, he was not due till May of 99 but she had difficultities with the pregnancy and her water broke in December of 98 and was put on bed rest and unable to work. our son [son] was born Jan of 99 instead on May. We were not married at this time and I was still in college. When she bought her [manufacturer] [model] she opted to pay extra each month for disability insurance through the dealer that would cover her car payments in the event that she was unable to work and therefore make the car payments. However, the people at the dealership some how filed the paper work incorrectly and therefore did not cover her payments while she was on bedrest and eventually causing the car to be repossesed. I took out a loan in able to get the car back and the account current. After months and months the paper work was straightened out and we recieved money back but the repossession still remains on her credit report. We have contacted the dealership and I believe [wife] has spoken to someone at the credit bureau and they said that all we could do is send a letter to them stateing why the repossession happened and that would go with the credit report but, we could not get it removed. I also talked to one lawyer who also that there was nothing he could do. So my question to you is, is there anything we can do to get the repossession off of her credit reort? Any help or information you could give us would be of great help Thank You.

xxxx & [wife].

Does she have documentation that proves that she had the disability insurance before the convalescence?

Subject: Re: a credit problem
Date: Mon, 8 Oct 2001 18:19:09 EDT
From: xxxx@xxxx.xxx
To: gfisher@erinet.com

Hello sir. Yes, I do have dcumentation stating that I had the disability insurance since purchasing the car. (before everything happened.) Problem was the insurance rejected my claim stating that I didn't have it. I fought with them awhile knowing that I did. When I was able to, I went to [manufacturer] (where car was purchased) and a woman helped me. She found my paperwork and determined that I did indeed have it. She then talked to the insurance and it was later discovered that they had filed it under my cosigners name. [manufacturer] blamed underwriters insurance and underwriters blamed [manufacturer]. Is there anything we can do?

Thank you for your assistance!

Wide exposure of your situation will resolve it.

If you submit the loan documents and the reports of your credit files to me for publication on creditaccuracy.com, I will document and publish the results of your and my requests to the lender and credit reporting agency to make the correction. You and your spouse will be anonymous (unless you decide otherwise)-- and your account numbers, Social Security numbers and other identifying information unknown to the public. I will scan the reports, remove everything other than the account in question, make the account number unreadable, publish only that account's history, and contact the lender and CRA for their response. I will, however, give the lender and CRA your identifying information.

I will charge you nothing and will provide you with envelopes and postage for our correspndence. I'm happy to discuss this with you on the telephone so you're more comfortable with me. This is a journalistic endeavor, not credit repair.

Will you cooperate?

937-520-0560

Subject: Please Help
Date: Thu, 4 Oct 2001 01:39:36 EDT
From: xxxx@xxxx.xxx
To: gfisher@erinet.com

I was just denied a visa platinum by [yyyy]. They said that TransUnion issued them information stating that my "RDC" was 100%. The bank then told me that the RDC was my debt to income ratio. That is completely inaccurate, and is not supported in any way on my credit report. PLEASE, PLEASE explain to me what TransUnions "RDC" is, and what I can do. Thank you so much.

Thank you

I don't know what "RDC" is, but the credit reporting agencies don't have your income, so their calculating that ratio would be impossible.

Do you have the denial in writing? What, exactly, does it say? What is your Trans Union FICO score and the four reasons given that it is not higher?

Subject: Re: Please Help
Date: Thu, 4 Oct 2001 02:38:03 EDT
From: xxxx@xxxx.xxx
To: gfisher@erinet.com

Thank you very much for responding so quickly. I feel as though I am involved in some type of discrimination regarding my application. I am 33 years of age. I have worked at the same job for 3 3/4 years. I have not moved in 4 years. I have a total of 3 inquiries on my report. I rent, make 80k per year. My credit report shows the following: one car loan paid in full, paid off in 1997, was late twice. One visa card (gold) opened 14 months ago, never late/perfect standing. One tax lien, $1300, paid in full in 1996.

I applied for a visa card through [yyyy]. The next day I called to verify approval. I requested an initial $5k limit (they asked me what amount). I was told that I was declined. I asked why. The bank stated they did not know. I asked to be transferred to hisadvisor. The lady got on the phone in the accounts department and stated that they received my TransUnion info and that my"RDC" was listed at 100%. I asked what "RDC" was and she stated debt to income ratio. I said that was impossible, that my debt to income ratio was extremely low. I told her that I actually had my report in from of me (which I did) and began reading it off (its short). She reiterated this mysterious "RDC" thing. I then hung up, and went online. Couldn't find anything anywhere about this "RDC." I then called back, and the office was closed. How is it possible that I have this income, only one account open in perfect standing, be at the same residence and job for 4 years, and not get the visa platinum. She even said that if not approved for the platinum, I was automatically submitted for a regular visa and I was turned down. How is this possible? Something must be wrong. ANY ideas?

Thank you very much for your help.

Get their denial in writing.

See your rights in the Equal Credit Opportunity Act.

In summarizing the ECOA, the Federal Trade Commission states, "The creditor must give you a notice that tells you either the specific reasons for your rejection or your right to learn the reasons if you ask within 60 days."

They continue, "Unacceptable reasons are: 'You didn’t meet our minimum standards,' or 'You didn’t receive enough points on our credit-scoring system'... Indefinite and vague reasons are illegal, so ask the creditor to be specific."

http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.htm

If the evidence shows irregularity, I would like to write about your case. There is no charge and you will remain anonymous. Will you cooperate?

Are you in Colorado?

Subject: Re: Please Help.........UPDATE
Date: Thu, 4 Oct 2001 21:23:24 EDT
From: xxxx@xxxx.xxx
To: gfisher@erinet.com

I contacted [yyyy] today, and they stated that because I had only one account opened on my TransUnion account, it was being reported maxed out. Every month I have paid my [zzzz] account in full, and I decided to almost max it one month, and carry a balance one month. As a result, [zzzz] gave me a Platinum card. It appears that in turn [zzzz] reported the card to TransUnion as maxed, and in turn TransUnion forwarded the info.to [yyyy] as such. [yyyy] stated to me that there info. from TransUnion states that I am maxed, according to my credit number, etc., they sent to [yyyy]. So, as it stands, although I have now paid off the [zzzz] account in full once again, [yyyy] says they will not issue me a card. They said to try again in the future. I am pissed. Not only did I not receive ANY card from [yyyy], but now I have an inquiry. WHAT IS WRONG WITH THIS PICTURE? I live in California by the way. Thank you