Experian - Equifax - TransUnion How to screw over the credit bureaus, and make them wish they never illegally stole your information to make money ripoff Chester Pennsylvania

Here is one way to beat up on the credit bureaus. I used it a few years ago because Experian wouldn't remove an old 7 year listing. This will work almost every time when you catch them with false information on your credit report. I've never had it fail yet.

This is about like dropping an atom bomb on them because the FCRA states that they must print your 100 word statement and have no right to change or modify it in any way. But if you use it wrongfully and they refuse to print it you are going to have to sue them to make them print it. You can usually get an automatic default on their part because they likely won't show up to small claims court.

Using a 100 word statement might not be good, but this will make the credit bureaus quiver at the knees.

But if you want to win you have simply got to think outside the box. You have to come up with ways and means to blindside them and here is how you blindside the credit bureaus.

As an example of when and how to use this method, here is an imaginary instance. Let us imagine that the credit bureau is reporting that you owe $10,000 and the truth is that you only owe $1,000 so you send the following 100 word statement in a letter which gives them two options.

1. Remove the listing entirely
2. Print my 100 word statement in it's entirety exactly as I have worded it and distribute my 100 word statement to each and every company who has ever requested my credit report during the last two years.

"Experian is falsely reporting inaccurate and incomplete information about me in my credit reports even though I have attempted to get them to correct their erroneous information to no avail. In doing so, Experian is knowingly defrauding you who are their paying customers. It should therefore be obvious to all who purchase credit reports from Experian that any information you pay for may be and probably does contain false and inaccurate information. When purchasing information from Experian you should follow the age old advice about "let the buyer beware."

Do you really imagine for even a moment that they would willingly distribute that 100 word statement to all who have purchased your information during the past two years and keep on providing it to those who might inquire in the future?? If so, think again. They will delete the listing every time. And that is why you must give them the option to delete rather than publish your 100 word statement.

Also, the FCRA states that if they fail to add that 100 word statement to your credit report, you can sue them for 1,000 dollars. This is a good way to screw them over and make them think twice about stealing our information and making a profit off it. And in the future they might be more conscious about maintaining this information and keeping inaccurate info off your credit file. If you get denied a loan because they have failed to correct erroneous information, you can take the credit bureau that caused your declination to court. You can charge that they caused malicious damage to your character. Impeded your ability to get a loan which you needed at the time, causing you more financial stress. You can sue for damages. If more of us were to cost these credit bureaus millions of dollars a year we could teach them a lesson.

Jason
Wheaton, Illinois
U.S.A.