We all experience rare moments when a blinding revelation comes to us, when we suddenly see things differently than ever before. Usually, however, we learn the truth about ourselves gradually, over long periods of time, from quiet introspection. We are all spiritual, but some of us have learned t
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06/12/2007
When I talk with people I've been sharing success stories and bad experiences. I understand what not to do especially when it's been done to me and I DIDN'T LIKE IT. After reading Monika McGillicuddy's posting on Mortgage Officer referring client...right or wrong?, I am embarassed and upset wit
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06/12/2007
It's that time of the year again when our Fire Fighters volunteer their time to go out and stand on a busy intersection corner with their boot out for donations. Thousands of volunteers are out nation wide helping to raise money for the Muscular Dystrophy Association. These lifesaving heroes ha
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06/11/2007
Some people expend far more energy getting out of work than they would spend doing the job well. They may think they are fooling the boss, but they are only fooling themselves. An employer may not know all the details of every job or every task an individual performs, but a good manager knows the
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06/11/2007
Here's the letter I send to my client's after we've pulled their credit report.Privacy Protection & Your Risk of Identity TheftOPT OUT of receiving telemarketing and mass junk mail and decrease your risk of identity theft.Included is the opt out information to protect your privacy and decrease th
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06/10/2007
Re: Unauthorized Credit Inquiry Dear American Express,I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorize
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06/10/2007
Under the Federal Debt Collection Practices Act, you are allowed to challenge the validity of a debt that a collection agency states you owe to them. Use this letter and the following form to make the agency verify that the debt is actually yours and owed by you. Keep a copy for your files and se
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06/10/2007
The following is a sample letter requesting a Collection Agency to validate and remove a listing from their database. This letter should only be used after a debt validation attempt has been made. Wednesday, October 04, 2006Name of CreditorAddressIn Re: Your name & Account # Dear Collection Manag
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06/10/2007
Today's DateCredit Bureau Name (Experian, Equifax, Trans Union)Address 1Address 2Address 3 Dear Sir or Madam:I sent your company a reinvestigation request on (fill in this date) regarding certain inaccurate items on my credit report. A copy of my original request and proof of receipt by your com
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06/10/2007
November 5, 2006ExperianPO Box 2002Allen, TX 75013 EquifaxPO Box 740241Atlanta, GA 30374 Trans UnionPO Box 1000Chester, PA 19022Dear Sir or Madam:I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your company. I request that you inve
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06/10/2007
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