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Author: Shirtless1 Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 310321  
Subject: Re: Capital One Never Stops Date: 4/27/2006 3:00 PM
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I'm sorry you didn't like our explanations to Onesize. I don't recall a lot of people stating that the credit card company was wise and wonderful to have such high rates and penalty fees.

Well I never said anyone said that either. But I'm not bickering. I take your point. I think you're saying you guys weren't taking the cc companies' side. But to my reading some of the replies almost were. I admit to having only scanned a lot of the replies as it was a long string. I apologize if I misunderstood. Or if my question had already been answered earlier in the string.

It's the stop complaining and deal with it part I guess that rubs me wrong. Your advice there may be the best advice she (or I) can get. Yet philosophically it strikes me as an injustice. I apologize if all this has been covered ad nauseum in other strings here too but it does seem like the concepts of innocent until proven guilty and protections against unreasonable penalties have not creeped into our credit reporting system yet. It seems quite arbitrary and out of my control. I have no doubt that I can prove this isn't my debt in a court of law to any 12 reasonably intelligent people. But of course I won't get that day in court for a measly $179.00 mistake. But my avenues for redress here seem woefully inadequate and I think this may be what I have in common with Onesize. It's almost like my only recourse is to write and beg the offending collection agency who is libeling my good name to please stop. If they choose not to, well I can put a comment in my credit report. Whoo Hoo. Will a comment on an invalid debt boost my credit score?

My other choice is to pay the $179.00 that isn't mine just to make it go away. So the bullies and the cheaters of the world win another one. I feel like someone's taking my lunch money all over again.

They should have to prove a debt is legitimate before anything can be reported on someones credit report. It shouldn't be up to me to prove it isn't legit.

Perhaps I should take this up with my congressman. :)
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