Tag Archives: Accountability

Credit reporting, Insurance companies, Rackets, Credit scores fallacies, Accountability, Transunion, Credit reporting entities create the problem and make money doing it, Consumers are victims

Credit reporting, Insurance companies, Rackets, Credit scores fallacies, Accountability, Transunion, Credit reporting entities create the problem and make money doing it, Consumers are victims

“Well, here we go again. Bank of America, a very large bank based in Charlotte NC is punishing it’s credit card customers for it’s lack of business acumen. This is a prevalent theme in modern day american business. Exorbitant salaries are paid to upper management, with “golden parachutes”, and when they don’t do their jobs properly, who gets punished. The customers and employees. Bank of America has a policy that appears rather arbitrary and unfair. Despite perfect payment records, credit card rates are being jacked up. Despite the fact that there have been recent congressional hearings into credit card companies and banks regarding their practices of affecting FICO scores and raising rates and heightened consumer awareness, Bank of America callously impacts good customers.”…Citizen Wells February 13, 2008

“Golden West Financial (WB), a longtime FICO skeptic, is one of the few mortgage lenders to minimize its use in recent years—and it credits that decision for its below-average mortgage losses.”  “The way we do business is a lot more costly, and cost was a big reason many competitors embraced credit scoring,” he says. “But some of our best borrowers had low FICO scores and our worst had FICO scores of 750.”…Bloomberg February 6, 2008

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

 

 

I did not start Citizen Wells to report so much on Barack Hussein Obama and corruption in our government.

My original intent was to report on injustice in general and our educational system.

One of the areas I would have preferred to address is credit reporting and its impact on the public.

I am very knowledgeable about the subject.

After my lengthy IT career I was involved in small time real estate investments and renovations. As a byproduct of that activity I dealt with a lot of lenders and consequently had to stay on top of my credit report and score.

What I learned during that process was shocking. The total lack of accountability of the major credit reporting agencies, Equifax, Experian and Transunion as well as the companies reporting credit data.

I have owned a cell phone since the early nineties and the cell phone companies were some of the worst at reporting and correcting errors. After getting attorneys involved in one situation and after much time had elapsed, I actually received an apology from one of them. It was their error, I had pointed it out earlier with extensive documentation. Ironically I was sitting in the office of my coastal real estate agent at the time. She had helped with some of the real estate transactions.

My life has changed and I rarely deal with credit issues.

I have one credit card that I use and pay off every month. I just received a credit limit increase from them.

Last year I received a notice from State Farm of a rather large increase to my home owners insurance policy. I called and was informed it affected the entire state. My neighbors recommended Farm Bureau, I went with them and they saved me money on my auto and home owners policy.

I paid for both in advance.

I just received a statement for my auto insurance for 6 months. It went up some.

They pulled my credit report. I have not checked it in a while since I have not borrowed money.

They found a problem and used that as justification for an increase.

I did not authorize having my credit report being pulled.

It turns out that they can anyway.

I did some research.

Under some circumstances they are allowed to. This is a grey area which I will explore further.

So naturally I atempted to get my free credit report.

I was unable to do so. I think I know why now. They have not updated my current address even though I have been living here over 3 years.

Instead of writing them for a copy, in the interest of time I signed up with Transunion for a trial credit monitoring, score and report.

I had no intention of paying them $ 17 per month for this. Back in the day I used one for approx. $ 35 a year. But I needed it then.

I logged on, immediately found some errors and attempted an online dispute. This was not allowed.

I next dialed a number provided. A lady from India or Pakistan (I assume & I should know….IT background). She was difficult to understand (God bless her) and kept asking for my “mailing address.” I kept explaining to her that I had a physical address that I received some mail at and a billing address as well. They had an old billing address and I pointed it out. I finally spoke to a supervisor, apparently also from the area of India. She spoke better English but still didn’t get it. She next wanted to go over every item in the report. I explained that I just wanted to dispute a few. In the past this was done simply online or with a easily understandable human.

I explained that it was their responsibility to keep the information accurate. They did not even have my billing address on file even though they had the credit card info.

At an impasse, I stated that I was extremely dissatisfied with Transunion, nothing personal against her and said goodbye.

I next canceled my Transunion service. The credit report cost $ 1 and saved me some time.

This of course is all a racket and has gotten much worse over the years.

I will next confront Farm Bureau Insurance and explain what has happened. I will ask if they want to get the attorneys involved.

Regardless, I will contact officials of the state of NC and hopefully, with so many republicans in power here, get an appropriate response.

This may take a while.

To be continued.

 

 

 

 

 

 

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US Constitution for dummies, Presidential eligibility, Accountability, Glenn Beck, Obots, Drug users, Kerchner v Obama, Obama avoids presenting records with attorneys help

Why has Obama employed a legion of private and government attorneys to avoid presenting a legitimate birth certificate and college records?…Citizen Wells and millions of concerned Americans

Yesterday, February 13, 2010, the Citizen Wells blog provided an update on the Charles Kerchner v Obama and Congress lawsuit.

“Obama and Congress Request and Obtain an Extension of Time to File Opposition Brief to Kerchner v Obama & Congress Appeal.”

“As Lead Plaintiff in this case it looks to me like the Defendants are having great difficulty finding a way to knock down the constitutional, historical, and legal arguments made by Attorney Mario Apuzzo in the Appellant’s Opening Brief to the U.S. 3rd Circuit Court of Appeals filed in Philadelphia PA, the city where our U.S. Constitution was written in 1787.”

Kerchner v Obama update

The Post & Email provides some background
“Kerchner case will test Third Circuit court’s adherence to the Constitution”
“Recently the attorneys representing Barack Hussein Obama and the U.S. Congress have admitted the formidability of the arguments mustered against their clients by requesting an extension on the deadline to file their reply.  The court set that, now, for March 8.  Apuzzo will then have two weeks to file his reply, defending his brief against their counter-arguments.
Without a doubt, Obama’s attorneys will not be able to muster a defense without a direct attack on the very U.S. Constitution and the rights protected by it which are the basis of the case.”

Read more:

http://www.thepostemail.com/2010/02/14/kerchner-case-will-test-third-circuit-courts-adherence-to-the-constitution/

Today, we present:

US Constitution

Presidential eligibility

Accountability

   For

Dummies

Glenn Beck

Obots

Drug users

Left wing wackos

 

If you fall into one of the categories above or you can’t follow all of those messy or complicated constituional issues above, this is for you.
From the original Kerchner v Obama and Congress lawsuit.

“53. Obama has refused all efforts to have him release the following documents,
relying on sealing of records and/or privacy laws: Punahou High School records,
Occidental College records, Columbia College records, Columbia Thesis paper, Harvard
College records, Selective Service Registration, medical records, Illinois State Senate
records, Illinois State Senate schedule, Law practice client list, Certified Copy of the
original, long form, Certificate of Live Birth (Birth Certificate), Harvard Law Review
articles that were published, University of Chicago scholarly articles, exit and entry
immigration records covering all of Obama’s travels out of the United States; passports;
and record of baptism, if any;”

Read more about this here:

http://puzo1.blogspot.com/2010/02/obama-and-congress-request-and-obtain.html

Let’s pretend for a moment, for the group above, that the birth certificate and natural born questions above are not relevant (you would have to be a complete idiot to believe that). Who would spend enormous sums of money and employ many attorneys to avoid revealing college records unless they had something to hide.

From the docket of the Kerchner v Obama lawsuit.

“02/12/2010
1 pg, 83.15 KB
ECF FILER: Letter from Dick Cheney, Congress of US, House Represenatives,
Barack Obama, Nancy Pelosi, US Senate and USA confirming extension of time
pursuant to Third Circuit LAR 31.4 with service on opposing counsel. Service
date 02/12/2010. (EF)”

Attorneys representing Obama, et al.

“BARACK OBAMA, President Elect of the United
States of America, President of the United States if
America if Sworn In, and Individually
Defendant – Appellee
Eric Fleisig-Greene, Esq.
Direct: 202-514-4815
Email: eric.fleisig-greene@usdoj.gov
[COR NTC Federal government]
United States Department of Justice
Civil Division
Room 7214
950 Pennsylvania Avenue, N.W.
Washington, DC 20530-0000″

“Elizabeth A. Pascal, Esq.
Direct: 856-757-5105
Email: Elizabeth.Pascal@usdoj.gov
Fax: 856-968-4874
[Federal government]
Office of United States Attorney
Camden Federal Building & Courthouse
401 Market Street
P.O. Box 2098, 4th Floor
Camden, NJ 08101-0000″

Even you all can figure this one out. Obama is hiding his records and the taxpayers are paying for his defense.

Glenn Beck, I emailed and left voice messages with a cell phone number you can call if you have any questions or if anything here appears incorrect.

Glenn, I am still waiting for the phone call.