Jason
Wheaton,#2Consumer Suggestion
Sun, October 15, 2006
Many businesses hadn't converted over to E-Oscar as of 2003 and 2004 when most of the "modifying" of credit files was done. The only way you can accomplish something remotely similar is to have family members in the lending industry who are willing to help out a fellow blood member. Many get away with it to this day. A few get caught. For those who really feel they are being bilked by the typical credit process, this is a surefire way of making sure you get a fair shot. I had no credit. No bad credit even. I did have 5 to 8 years of on time utility payments which weren't considered into loan applications. Is it fair for me to pay 18 to 25% on a car loan when 8 years of payment history should've afforded me single digit interest? Why should I pay the same as someone who has late pays and open collections. If they play dirty to make money, then I can play dirty to save money. In today's world, you must do what you can to survive, this includes beating multi-million dollar corporations at their own game.