Cheese with my whine?
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Posted by GettinHip2it (69.119.239.155) on June 19, 2004 at 08:24:05:
Hi all, Getty here: Sigh... I'm sure I'm gonna get slammed for this but, here goes: Y'know, I gotta be honest - sometimes I wish I never started this credit repair stuff. I don't know why I thought this would be easier than it actually is. (Stupidity, I guess.) Don't get me wrong, I am SO grateful for resources like this board and others. Because of you (and them) I have been able to delete 15 baddies (incl removal of 1997 Ch 7 BK) off my CRs. I have VODd and ITSd and CMRRRd my a$$ off, and I am in the process of filing 4 lawsuits for FDCPA/FCRA violations. It's SUCH a fight and brain jumble! Then, I look at my CRs and get infuriated at seeing, for example, how the dates are manipulated (by OCs and CAs) to look like the debts are more recent than they are, which tanks the score, which of course requires more VODs, ITSs and CMRRRs. It's such a vicious circle. To make matters worse, my scores have still gone nowhere. I'm still getting turned down for credit (I've only applied for 3 things in the past 6 months,) and can't help but be really frustrated. I know it's my own fault, so I'm not looking to pass blame, but still... Yes, it takes time, but I guess I just hoped that I'd have more to show for the deletions and by constantly grappling with everyone. I've spent alot of time and money (that I don't have) trying to get a handle on this. The biggest problem now though is I couldn't stop if I tried: I now can't look at a CR the same way anymore, or take a phone call from a collector without asking the hard questions and sending VOD, or not quote FDCPA/FCRA statues when one of my family or friends talks about being abused by a CA. Forgive the bitching- I didn't mean to go on like this. I guess I'm just looking for some inspiration. Thanks for listening.
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