Perverted Credit

We all have our different opinions about our creditors and that is certainly our right; whether or not creditors behave legally or illegally. But creditors certainly do not have the right to break the laws, but they do this anyways. Right now there is no law stating creditors can or cannot judge based on our spending habits. Truly this act is wrong for more than wrong reason.

It is our right to seek counseling (without being judged). It is also our right to stop using any account (credit card) that seeks to break the laws or violate our privacy. Now obviously creditors already know what we purchase and even in a sense how we live. It shows on the monthly bills we get every single month. But to know that we are being judged in such a way that determines what our monthly payment will be is almost – incongruous. For those of us that are not doormats and are not willing to sit back and allow creditors to walk all over us… stop using them. Pay these creditors off as fast as you possibly can then cut the cards up. If you continue to use them even though you know they are abysmal then you have only you to blame. We stopped using our credit cards several years ago and although it took some adjusting we get by just fine. As a matter of fact we are in a better position because sooner or later you are not only have your credit card payment but you also have the same necessities such as food and gas.

Over ninety five percent of consumers in our country either have or are going through some type of credit issues that to anyone is… in a sense; embarrassing. But the reality of it is there is nothing to be ashamed of. Having a collection agency contacting you or a derogatory mark on your credit report most certainly does not make you a murderer or a pedophile. Credit issues are more common than people think. As a matter of fact most people with any type of derogatory marks on their credit report will be dishonest and say they have impeccable credit. Because of the negative stigma surrounding credit consumers are more apt to be untruthful regarding their negative credit than people who lie, cheat, steal and even kill. But these are unnecessary feelings since the majority of our country has had to deal with some type of credit issue not to mention the fact that over half of the derogatory credit accounts are by fraudulent creditors – not the consumers themselves. Credit hits home to many people on a personal and private level for many different reasons. Some people have had to deal with false accounts or accounts from identity theft reporting inaccurately on their credit report and have learned the majority of the time the credit reporting agencies do not do their job. Therefore reflecting in a higher monthly payment on loans or having to come up with more money down; while other consumers have had creditors or collectors harassing them at work or even at home. There is maybe five percent of our country who has not ever had to deal with some type of creditor or reporting agency issue.

Every piece of media out there needs to just STOP. You do not have a clue as to what you are saying and you are leading people COMPLETELY in the wrong direction.

9News – Stop advocating consumer credit counseling. CCCS does not know anything about consumer rights. The night of February 24 you broadcasted “watch 9news in the morning and learn about your rights” with your credit. That made me happy. I thought – FINALLY they are going to tell people about their rights in the credit industry. However when I saw the next morning that you were advertising consumer credit counseling I thought I was going to die. Consumer Credit counseling is a joke and knows absolutely nothing about consumer rights. The only thing they care about is hurting consumers for a profit and lying to consumers for a profit. Please get your facts straight before broadcasting that you know how to “help” consumers. I have been in the credit industry for over 15 years. Throughout the years I contacted Consumer credit counseling and believe me – they do not know the difference between the Fair debt collection practices act – the fair credit reporting act – the billing act. As a matter of fact – they do not even know what these laws are. Within THESE laws are the rights that consumers have – the consumers “Bible” if you will. If you- 9news truly care about consumers; get someone who really cares about them – NOT CCCS.

Gerri from CNN – you have some of what you say right. However; what you need to realize is although the attorney general is “supposed” to govern collection agencies – most of them do not. I have fought the Colorado attorney general for not doing their job. As a matter of fact – the Colorado attorney general receives payoffs from collection agencies to NOT do their job and protect consumers. Third party agencies are a nasty business and something I am STILL working on to this day to get changed. I am a thorn in klaura udis’ and paul chessin’s side and will NOT stop until something has in fact been done for consumers. The right way; for them… not me, not cccs, not the dirty Colorado attorney general – FOR CONSUMERS.