bbauer | 03.08.2003 @ 06:11
That is truly an outstanding post Butch. Now we can get busy and figure out how to use it to our best advantage.
First of all it is obviously necessary that we need our trusty computers and a program such as visicalc, Multiplan, Microsoft Excell or any other suitable program. Since we have to make this easy for everyone we will probably need to start with something simple such as Multiplan. I started learning how to use Multiplan back about 1983. I didn't really want to go back to college to learn it so I spent about a month straight day and night until I could no longer hold my eyes open to learn it. Of course, Excel is much more sophisticated than Multiplan ever thought of being so either a business school course or maybe 3 or 4 months at the key board learning it should get the job done with no problem.
Once we know how to work the program we only have to either learn how to do double entry bookkeeping or take a college course in accounting principles. No big problem either. Then we can sit down and go back through several years of those billing statements carefully analyzing each and every one of them to be sure each entry complies with FCBA. Of course one of the benefits is that in the process we would become expert in the ins and outs of FCBA as well.
One little hurdle that comes to mind in an otherwise facil solution to all our problems. When would we ever have time to post on Creditnet or worry about our credit ratings?
Once we get buried in all those college courses and endless days and nights our families might think of us much like poor old Charlie who got lost in the Boston Subway System and was doomed to ride forever on the MTA.
Ah well, not to worry about such trivial matters.
There most assuredly is one very interesting point in David's words of wisdom however. That is this little tid-bit.
CREDIT REPORT ERRORS: MORE OFTEN THAN YOU THINK!
A 1989 study by Consolidated Information Services, a user of
credit reports, found an error rate of forty-three (43%) percent in
a random sample of 1,500 reports reviewed. A survey by Consumers
Union found that forty-eight (48%) percent of the credit report
sample contained inaccurate information.
Strangely enough those are almost the same exact statistics that are quoted as being the approximate success rate of both consumers and credit repair companies alike when attempting to "fix" credit reports.
Seems to me that it would just be a whole lot simpler to just go mudwrestling with the pigs if that will apparently get you the same success rates as a couple of college degrees and endless days and endless nights of study. Either way one seemingly just gets lost on the MTA.
Seems to me that there has to be more to life than mudwrestling with pigs or getting lost forever on the rails of the FCBA.
Of course, there are a few tricks that can probably be learned from it but there are much better things to work with than that.
Bill Bauer
ceo@creditwrench.com
http://www.creditwrench.com
--> Learn Your FCBA
Butch | 03.09.2003 @ 16:38
Sunday Bump
Butch,
"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!
--> Learn Your FCBA
julesh | 07.09.2003 @ 18:17
BUMP
This post contains a lot of valuable info. - thanks, Butch. I'm giving it a bump in hopes that other "newbies" will give it a read!
Julesh
julesh
Scores...Jul '03........Aug '03
EQ.......590(PG)......578(PG)
EX.......620(CE)......631(CE)
TU.......549(TU)......??
Butch | 01.11.2004 @ 19:40
Bumping for Nub.
:)
Good convo. anyway.
.
Butch,
"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!
--> Learn Your FCBA
jam237| 07.13.2004 @ 13:55
I can not believe that this hasn't been bumped since January.
*bump* for CRDTNogood
http://consumers.creditnet.com/stra...7893#post427893
--
jam
An educated consumer.
Why Time Barred C&D = Delete
Re: --> Learn Your FCBA
Butch | 07.13.2004 @ 18:27
quote:Originally posted by jam237
I can not believe that this hasn't been bumped since January.
*bump* for CRDTNogood
http://consumers.creditnet.com/stra...7893#post427893
I agree with ya Jam.
There are MANY great threads which no longer get attention.
Unfortunate
.
Butch,
"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!
Re: --> Learn Your FCBA
jam237 | 07.13.2004 @ 20:32
Do you have any advise on CRDTNogood's situation? :)
--
jam
An educated consumer.
Why Time Barred C&D = Delete
Re: --> Learn Your FCBA
fun4u2 | 07.15.2004 @ 02:02
bump great info butch :)
Re: --> Learn Your FCBA
Butch | 08.21.2004 @ 07:05
Time 2 bump
:)
Butch,
"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!
