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Friday, August 06, 2010

Wholesale mortgage rate sheet with FICO score requirements

I posted a wholesale rate sheet and explained the pricing.

It’s interesting to see how they use FICO scores to justify higher fees.

Saturday, July 31, 2010

$84 NCO collection lowers FICO score by over 100 points

It’s incredible that someone with PERFECT credit and one utility collection has the same FICO scores as a person with collections and umpteen discharged accounts a year after filing for bankruptcy in June 09.  The bankruptcy court in California was so backed up, it didn’t order the discharge until late December 09.  The Trans Union and Equifax scores were above 660 in July 2010.

One $84 utility collection results in the SAME low score, whether paid or not:

NCO utility collection after move lowers FICO scores by over 100 points

Thursday, July 29, 2010

Calling on Cal AG and governor candidate Jerry Brown to arrest Mark Cella (FDRS)

My DEMAND to AG Jerry Brown for arrests and restitution

Of course I’m fully aware that AG Brown couldn’t possibly care less if he wasn’t running for governor.

I gave him over a week, until next Friday, to respond and take ACTION.  I doubt I’ll get a response.

The internet is becoming more and more important for the candidates and just about every newspaper allows comments.  It’ll be interesting to see if people care enough to MAKE Jerry Brown do what’s right.

Of course this is NOT just about FDRS, the debt settlement fraud is EVERYWHERE.  The regulators do NOTHING.

I don’t even know who else is running for governor aside from the Ebay CEO (PayPal) Meg Whitman and I definitely prefer Jerry Brown over her.  All the media coverage I’ve seen is ONLY about Brown and Whitman, I have to check Wiki to see who else is running.

California gubernatorial election, 2010

For all of you NOT in California, remember that California is larger than most countries and and has frequently paved the way for NATIONAL policies.  Unfortunately, California is now leading the way into bankruptcy and lawless corporatism.

California COULD be the state to declare independence from the international bankers, start their OWN state bank and tell the national banks to get the hell out of California.

CALIFORNIA sued Wells Fargo way back in 2002 and the FEDS ruled in 2003 that national banks can NOT be sued by states for violating state law.

Capital One subsequently formed a NATIONAL bank after California and other states sued it for its vile and illegal practices.

It SEEMS like California was on the right track back then.  What happened?  Why did California capitulate to the federal government? 

North Dakota did many years ago what California SHOULD have done in 2003:  start its STATE bank.

The search results for Ellen Brown’s articles related to North Dakota.

Apparently Schwarzenegger ignored Ellen’s article:

But Governor, You Can Create Money! Just Form Your Own Bank

I can only hope that the PEOPLE don’t ignore what’s going on and decide to stop paying the national banks and start looking at alternative lifestyles.

We’ve been very busy with our gardens and it’s time to continue work on our greenhouse.

Tuesday, July 27, 2010

NY AG Cuomo settles with LHR for only $150,000

NY AG Cuomo settles with LHR for only $150,000

Nothing for the victims.  I’m not impressed. 

Monday, July 12, 2010

Miller v. Cohen & Slamowitz court order:  unfair practices violate FDCPA

Incredibly, Cohen & Slamowitz FAILED to assign attorneys to active cases until consumers filed an answer even AFTER the court ruled against them in the Miller case in 9/09.

Of course MOST collection lawyers have nothing but contempt for consumers and they ignore disputes.  The calls are usually routed to aggressive COLLECTORS who TALK like attorneys and intimidate consumers into settling or making partial payment arrangements.  That’s what happened to me at Cohen & Slamowitz.

I really hope my client can find an attorney to represent him on contingency.

A lot more info:

Arthur Miller v. Cohen & Slamowitz: attorney’s failure to conduct meaningful review violates FDCPA