Posts Tagged online
Can I Sue Experian? – Fax Online
Posted by in Fax Online on February 8, 2012
Question: Can I Sue Experian?
I have applied for a credit card with bank of america several times and i have been denied i checked my credit history and im seeing wrong information which led to the denial of my credit card applications. Can i sue for damages? and experian does not even have a fax or telephone number where i can call to dispute the information on my credit report. They listed my birthday as 1985 instead of 1988 which caused collection agency debts that i owed when i was 17 to be posted on my account because they listed my birthday 1985 it showed that i was 20 when the debts came in but i was actually 17.
1. Do you have a fax or phone number where i can reach experian? (I get an error messege with the online dispute form)
2. Can i sue for damages since they caused me to be denied for a credit card over 2 times
You should get your annual free credit report BEFORE you make applications . . . and you can have the corrections done once you have that copy for reference.
and you can sue anyone you want in America, the big question is ‘ Is the cost of the legal action worth the return ?
the experian report site
http://www.freecreditreport.com/
You can sue anyone for any reason, I don’t know if you will win though
Speaking as the nation’s top credit expert (visit www.LearnAboutCredit.com)
Yes, you can sue Experian. I suggest small claims court. You will have to PROVE that they knowingly falsely reported negative information, and you will to prove that you have been damaged. Any lawyer would tell you that.
Yes, you can sue them but you have to prove they did it purposly.
Experian
NCAC
PO Box 2002
Allen, TX 75013
1-800-509-8495
You need to dispute by mail. send them a letter telling them you feel you were denied credit due to an error on their part. Explain the problem (your birthdate), and list accounts that are on your report that shouldn’t be. Send a copy of drivers license, or state ID, and I’d also send a copy of my birth certificate. Make sure you tell them you’d like them to investigate, correct their errors, and send the new info to creditors that have obtained your credit report in the last 6 months. Send it certified, no signature required. Since, it’s going to a PO Box no one can sign for it, but you’ll know exactly what day they got it. Keep this certification from the post office, when you get their responce back if they haven’t changed anything then you can sue.
You’ve explained the problem, you’ve given proof, if they dont change it they’re wrong. Small claims will do just fine.
Yes, you can sue. But first you have to understand the law, and know how the game is played.
It’s going to be hard to sue Experian. Their job is only to report what is given the them by creditors. They DO NOT investigate their accuracy.
The only way Experian will be liable is if you dispute the entry, and they fail to “verify” the debt. But since all that is required of them is to call the creditor and ask if it’s legitimate and accurate, and if the creditor says it is, then the item stays. Again, no real investigation is done, but now Experian is off the hook.
What you need to do is send a certified letter/return receipt to the creditor and demand that he “validate” the date. That means he must PROVE that you owe this debt, and supply you with written contracts, bills, receipts, and everything that was used to calculate what they claim you owe.
If they do not supply you with this information, then you send another dispute letter to the credit bureau telling them that the creditor failed to “validate” the debt. Since it is illegal for the credit bureau to list “unvalidated” information to your credit report, THAT would be a violation and then you could sue Experian. But since they are getting much better at verifying debts, this isn’t likely to happen.
If, after you have sent these letters and the debt is not removed, you can sue both the creditor and the credit bureau. This is a small claims court suit and you do not need a lawyer to do it.
As for the part about posting debts while you a minor, it’s legal for them to do. If the debt was yours (even as a minor) they can list it. So don’t waste your time disputing those entries.
Now in the situation where a listing is posted to your report without validation, you can sue them for 00 for each occurance. You can also sue for damages that the listing caused, but the burdon of proof is on you to show how you were damages.
Simply being denied a credit card does not result in damages, unless you were forced to get another card with much greater interest rates.
The damage claims work better in cases where you were force to get a mortgage and the interest rate was much higher….or maybe you were denied employment due to a poor credit report. That’s much easier to prove for damages and you have a better chance to win.
See the links below for more help, or contact me. I’ve been there, as I’ve sued a creditor and the Equifax for a bad credit item and won 00 for my troubles.
Please Add your own answer in the comments!
i have been offered a job but dont know if it is legit tell me what u think – Fax Online
Posted by in Fax Online on February 5, 2012
Question: i have been offered a job but dont know if it is legit tell me what u think
Teresa,
Thanks for your response,According to how you have been briefed earlier,This is Mendez Charity Ministry Organization (Charity Organization) has been in existence since 2001 based in London, UK and it’s Program Help the less Privileged Worldwide (H.P.W) and most especially in Asia, South America, Africa and other major third world countries with thousands of individuals who would like to give there little support for the organization to help the less privileged.The Job offer requires you to receive Books,Motivational packages varieties from donators on behalf of Organization Donat to the less privileged People WORLDWIDE VARIETIES and you will keep them for while and when you are due for shipping you will be told to repacked them,after repack you drop them at the nearest UPS office and all information needed will being send to your email and the UPS Payment will be made by the Organization and yours Salary is made at the end of the month($ 1500) and it depends on how you want the Payment to being made,our options are(Cash through ,Direct deposit,Check,Money Order) which ever Payment that you prefer.Pls email me back to let me know if you are ready to work with us,also you will need to reply with your full address,contact (phone#) and where you want your Payment sent to.
NOTE:REPLY WITH THE ADDRESS WHERE YOU WILL TO
RECEIVE THE Donation AND ALSO THE ADDRESS WHERE YOU WANT
YOUR PAYMENT SENT TO.
NAME OF MINISTRY:Mendez Charity Ministry Organization
FAX #3780652937
JOB REP….Mrs Hannah
OUR MISSION:WE HELP LESS PRIVILEGED WORLDWIDE, WE HAVE
A LOT OF PEAPLE & OUR CHURCH MEMBERS THAT DONATE FOR THE LESS PRIVILEGED. SO WE NEED PEOPLE TO RECEIVE FROM OUR DONATOR IN YOUR AREA.
NOTE:I WOULD HAVE EMAILED ALONG OUR PHONE NUMBER BUT ITS ALWAYS BUSY SO YOU CAN FAX ANY OF YOUR COMPLAINT. BUT MAKE SURE YOU GET A YAHOO MESSENGER SO THAT YOU CAN CHAT WITH OUR ONLINE JOB REP ON (mendezcharityorg@yahoo.com)SO YOU CAN KNOW MORE ABOUT THIS JOB.(YOU MUST HAVE A YAHOO MESSENGER TO CHAT WITH OUR ONLINE REP DO THAT A.S.A.P.)
Thanks,
CHRIST EMBASSY
I just saw a special on Dateline ID about this very scam. Evidently, you will get stung for the shipping fees and never get paid.
Scam. Notice the misspellings and poor grammar throughout. It tells you to drop off donations at UPS, but it doesn’t mention how the shipping will be paid for. Also, the only way to contact these people is via Yahoo! Messenger. A legit company would have an 800 number or at least a local number so you could talk to an actual person.
Please leave your answer in the comments! Thanks.
Where can I get a faxless payday loan? – Fax Online
Posted by in Fax Online on February 3, 2012
My Question: Where can I get a faxless payday loan?
I need to get a loan online, I don’t have a fax machine, though. My cat is very sick and needs to see a vet ASAP. He cannot wait until I get my next paycheck and I know all fees and everything added on with payday loans. I’m willing to deal with the hassle. I just can’t find a site where I won’t have to fax something. I don’t want a site that matches, either. I’ve been filling them out for hours and they aren’t matching me with anything but other matching sites. Very annoying. Thanks!
Ameriloan
You can get a faxless payday loan with no credit check at
http://www.healthandlifeproduct.com/index.php?lay=show&ac=article&Id=538634637
Good luck!
Give your answer to this question please!
What is that websites name? – Fax Online
Posted by in Fax Online on February 1, 2012
Question: What is that websites name?
Last night my daughter went online and started playing an online game. When she tried to play it she couldn’t find the game. Here are fax about the websites.
Has secret in the name of the websites name
In the game you have age points
Check the history of the computer it will tel you every site you went to last night.
If its Firefox I know you can search for specific words in a link in the history.
http://supersecret.com/
Perhaps this is the site you are looking for. I found it by typing “secret game age points” into the google search engine and this is one ot the websites it brought up. Hope this has helped 
http://king.com
just a try.
http://supersecret.com/
What do you think? Answer below please!
Q&A: Suspected SPAM under YAHOO title? – Fax Online
Posted by in Fax Online on January 31, 2012
Question: Suspected SPAM under YAHOO title?
Dear Esteemed Winner,
We are pleased to inform you of the result of the YAHOO! International
Promotions Program held on the 25th of August 2007. Your e-mail
address attached to ticket number 883734657492-5319 with serial number
7263-267, batch number 8254297137 drew the lucky numbers
14-22-28-37-40-44 which consequently won in the 1st category, you have
therefore been approved for a lump sum pay out of ?00,000.00 (i.e
Five Hundred Thousand United Kingdom Pounds) in cash credited to file
REF:YAHOO6/315116127/27.
To begin your claims therefore, you are advised as a matter of urgency,
to contact the under listed licensed and accredited claims agent for
the processing of your prize awards winning. Please contact your
claims agent immediately, to begin your claims process:
MR PAUL GREEN
REMMITANCE DIRECTOR
YAHOO PROMOTIONS UK
44 Moorfields London EC2Y 9AL UNITED KINGDOM
Email: agentpaulgreen@yahoo.com.hk
You are to provide the assigned claims agent via email with the under
listed information as soon as possible:
Full Names, Contact Address, Age, Sex, Country, Occupation, Nationality,
Telephone and Fax numbers.
CONGRATULATIONS!!!
Yours Sincerely,
Mrs. Amelia Hunts
Online Promotions Manager
Uk Administrative Unit
It’s scam.They compose a text and send it to people under different titles.Yahoo,gmail,…
I received this same email about a month ago. I didn’t follow up on any of it because this kind of crap filters through regardless of spam blockers.
Yahoo has been made aware and this is a totally bogus email.
Trash it as you would any other junk that comes through your mailbox.
I have also been receiving many emails from Nigeria. Do people truly fall for this crap? Do people really send complete strangers their personal information and send them thousands of dollars because they feel sorry for them?
This is the longest running scam on the internet today. Yahoo does not have lotteries. Yahoo does not give away money. You don’t win anything but the booby prize for opening spam, so now you will get more. Does this actually have your name on it, or is your name “Esteemed Winner?” Put this, and all the others to come, in spam and don’t open any more.
Please Add your own answer in the comments!
is there any real payday…? – Fax Online
Posted by in Fax Online on January 28, 2012
Q&A: is there any real payday…?
payday loans online? is maycash.com a real payday loan? if not is there any ones that actually work online with no faxing to be done?
There are plenty of real payday loans online, but you would be a fool to use one. You would be giving them a pipeline to your bank account to take money out of it every payday. Not smart.
If you are that hard up for a payday loan, go to a lender who actually has a store and you can talk to a human. Sounds like you want to avoid that though, if you don’t even want to fax paycheck stubs etc.
They all will want to know that you have a job, checking account and a way to pay this money back.
you can go to paydaymax.com and if you use the code PFNANG when applying you’ll get 50% off the fee. No faxing.
Please Add your own answer in the comments!
is this a scam????it says this needs to be 20 characters? – Fax Online
Posted by in Fax Online on January 27, 2012
Fax Service: is this a scam????it says this needs to be 20 characters?
i got an emails a couple of days ago about winning some Toyota lottery here r the emails
————————————————————————————————————————————
TOYOTA INTERNATIONAL LOTTO (HEADQUATER)
Award Desk Department Affiliate.
China Branch #Room 2904,29floor.Exchange Office
Tower, N0 189 Nanjing Road Helping District, Tianjin, China.
Dear sir/madam,
We are pleased to inform you of the announcement made today, You are among the winners of the TOYOTA
CAR INTERNATIONAL PROMOTION PROGRAM participants were selected through a computer ballot system
drawn from 2,500,000 email addresses of individuals and companies from all part of the world as part of our
electronic business Promotions Program.
As a result of your visiting various websites we are running the E-business promotions for. You/Your Company
email address, attached to ticket number 523-958-2261, with serial number TL-909-P874E-69CN, lucky numbers
04, 07 29, 44, 42, 30 and Bonus number 39, Your INSURANCE Number: FLS433/453L/GMSA, Batch
N0:- 538901527-BB67 and consequently you won in the Second Category of the TOYOTA FORTUNE LOTTO DRAW.
You have therefore been approved for the payment of the sum of US$ 500,000. 00 in cash, including a Toyota
car which is the winning present /amount for the Second category winners. This is from the total prize money
of US$ 2,650,000.00 shared among the international winners in the Second category.
CONGRATULATIONS!!!
Please be informed that your won fund of the sum of US$ 500,000.00 is now with the payee center. Contact our
agent and give them your full names so that they will re-insure your winning fund under your full names.
Together with the port where your winning car should be shipped to.
To begin your claim, please call our claim agent or send email immediately to:-Certificate Agent, Toyota Email Lotto
Mr. Ming Lee
Email: toyotaagentlee@aol.com
Email: toyota_awardnotification@yahoo.cn
Direct line : 0086- 15986392642
Telephone: 0086- 13710948051
NOTE: In order to avoid unnecessary delays and complications, Please quote your
1. Full name
2. Address / contact number
3. Country of origin
4. Age
5. Occupation
6. Tel/fax.
Sincerely ,
Mrs. Ing Chunny Liu
Hon Online Coordinator
———————————————————————————————————————–
then i sent this ( i tried to bait him a little )
il send you my info, but 1 queston. what is with your email? not @ toyota.com?
then they sent this to me
————————————————————————————————————————-
Dear winner,
You can still contact us with this address also, minglee@toyotacn-asia.com .
Thanks.
sounds like a scam im pretty shure it is.. any advice on what i should do?
First of all, this is clearly a scam. You shouldn’t even had replied in the first place, as they now know probably have stored information about your email address. Don’t reply to any more emails, and probably notify send Toyota an e-mail explaining to them that someone are misusing their company name for fraud.
Secondly: Do you even own a Toyota? Have you participated in any contests? Do you really think anyone would just take 2,500,000 random email addresses and give money and cars to some of them?
Rule no. 1 of the internet: Use Common Sense!
Also, if you are in doubt, contact your nearest Toyota dealer and simply ask them.
Lolololol dude, you WON!
Hello there,
Seems fake.
But is all the information correct? Did you buy a toyota or something to get maybe a lottery?
But for me it seems fake because the text :
-CONGRATULATIONS!!!
makes me laugh lol 
…
-toyotaagentlee@aol.com
Why aol.com?
-toyota_awardnotification@yahoo.cn
Why yahoo.cn?
But you could try to contact toyota…
Hope helps.
They said dear sir/madam. If it was meant for you, they would’ve used your real name. If you don’t remember entering a toyota lottery, then you couldn’t have actually won one. After you replied, they said “Dear Winner” again, and not used your real name. If you won a lottery they’d probably have more than half that information they’re asking for already.
It is a scam. one of the easiest way to check is to look up the name of the organization. If they where legit they would have a site. Also they would not appear on plenty of scam sites as scam emails.
You may visit sites across the web but how many do you sign up to and leave your email address with.
If you did not enter it then there is no way you could win it.
One final check is to open the headers on the email which show the return email along with the ip address which is another way to check where the email originated from. They rarely match the country the supposed draw is taken place.
Also if you enter the phone numbers given they will show where they come form. The check them against the real number.. From the OFFICIAL site.
The numbers given are in china. But Toyota is a Japanese company.
All signs are pointing to scam..
Plus loads of scam email sites are reporting it as a scam
What you should do is leave it..
What i do when I get these types of emails is send an email back with all the links to the scam email sites with copies of their email.
If they where genuine they would get back but they never do…
Check this out from 2007
http://antifraudintl.org/showthread.php?t=571&page=3
seems familiar? same name and same lay out.
The next step would be they need a fee to sort it out. Well why can they not take that sum out of the prize an send you the sum.
Delete it and forget it
Can not find an OFFICIAL site for this but plenty of reports on its a scam.. Go figure
Please leave your answer in the comments! Thanks.
is anyone interested to volunteer at paul’s place outreach in baltimore,maryland? – Fax Online
Posted by in Fax Online on January 25, 2012
Fax Service: is anyone interested to volunteer at paul’s place outreach in baltimore,maryland?
paul’s place is a soup kitchen and outreach center at 1118 ward street.
baltimore,MD.21230.they are in need for volunteer help monday through
friday or part time.is anyone interested to volunteer??they phone number
is 410-625-0775.they fax number is 410-625-0784.for online information on
paul’s place go to http://www.paulsplaceoutreach.org and thank you.
Jayne.volunteer match at http://www.volunteermatch.org looks like a good idea.
just leave out the coma next time you post a website.thank you.
Is it alright if I smoke a bowl before I show
If they post this volunteering opportunity to http://www.volunteermatch.org, they will get MANY volunteers.
Give your answer to this question please!
What sites can i go to apply for jobs? – Fax Online
Posted by in Fax Online on January 24, 2012
Question: What sites can i go to apply for jobs?
im lookin for a job in kissimmee area ive gone to craigslist.org and careerbuilder.com and jobing.com and monster.com and beyond.com im running out of options any other places i can go to apply? ive already try goin in person to apply and its a waste of gas they all told me to fax or email a resume and apply online they wont take resume unless its throught technology no fair. i need help i want a full time job im 20 with 2 years experience in front desk customer service any ideas?
Go to the website of actual companies and apply directly to them. You can try the local hospitals, telephone company, cable company and gas and electric company.
Look for a local job web site, i.e. kissimmeejobs.com ro something like that.
Also, use the local newspapers.
Have you tried Craigslist?,
Monster.com
Careerbuilder
Hotjobs.com
Goodluck!!
Here are a few links
https://jobs.myflorida.com/index.html
http://hotjobs.yahoo.com/
http://promotions.monster.com/keywordjobsearch/?WT.srch=1&s_kwcid=TC-1238-30026815511-S-5793234511
http://www.monster.com/
http://www.careerbuilder.com/Default.aspx?siteid=sep_yahoo_hmpg&cbRecursionCnt=1&cbsid=e160f8e3243049b4aa547cdc62c249f3-252889324-J9-5
http://www.worktree.com/
http://www.jobbankinfo.org/
http://www.careershop.com/
http://www.hoovers.com/free/
http://www.jobanywhere.com/
http://www.careerjournal.com/
What do you think? Answer below please!
Allstate fraudulently billed me long after I asked for my policy to be canceled. What should I do? – Fax Online
Posted by in Fax Online on January 17, 2012
Question: Allstate fraudulently billed me long after I asked for my policy to be canceled. What should I do?
14 days ago from this date, I called my local allstate insurance agency and asked them to cancel my policy right away. They told me with assurance and on the spot that I was no longer insured with them. Then 3 days after I found out my policy was still active online, I called them again and they said they will put a cancellation request. I called them four more times and they gave me the exact same response and days have passed, and my policy was still not canceled. Yesterday I found out they have debited $ 105 from my bank account. And up to today, my policy with them is still active and is showing my next billing date to Sept. 10.
So yesterday, I was arguing with these corrupt Allstate people on the phone, asking why they charged me when I ordered a policy cancellation two weeks ago. This time, they told me to fax them my new policy with Geico before they will effectively cancel my policy and issue me a refund. I’m just so infuriated with them right now. I have a feeling they will continue to play games with me. I faxed them my Geico declaration page yesterday morning, yet my policy with Allsate is still active to this hour. What are my options now?
The normal thing to do is cancel in writing and keep a copy of the correspondence.
I would never cancel anything on the phone
Continue to hound them until it’s done. Keep the documentation.
I’ve had to fight some battles. Don’t give up. Don’t be angry. Just be firm and polite. Ask to speak to a manager.
Provide your agent with a copy of your Geico policy showing the effective date. Ask them in writing to cancel your Allstate policy back to the inception date of the Geico policy and your money should be refunded to you. Allstate will not typically process a cancellation with out a signed request from the insured, that is probably why it did not cancel properly.
What do you think? Answer below please!
