Abouttbaarr Expertise Questions related to credit card management
and use of credit to achieve your financial goals
I have found on google that my screename has been linked to some garbage
financial sites, that I have nothing to do with
Please ask me to verify this if you are not sure
and let me know who is making any claims so i can sue their asses off
this is my website or my blog
http://www.geocities.com/tbaarr/night_vision.html
http://www.tbaarr.blogspot.com/
Experience i own over 10 credit cards
8 of these have credit limits over 10k and i use 2 of them to invest with
i have the balance as a fixed life of the loan balance transfer
and make 10 points profit on the money
Organizations none
I retired doing this in 1996
and wish to pass on my experience.
BE aware I got married in 1998 and started Driving Rig in 2004 so that I could get affordable quality Heath insurance for my family as I now have 2 beautiful daughters 4 and 8 as of aug 2007, so I may take longer to answer som questions.
i cover such subjects as,
my approach to credit,
how to establish and maintain multiple accounts,
how i get single digit life of the loan balance transfers,
how i use their money for 45 days interest free,
how i use credit cards to invest for 30% a year profit,
and how i maintain a 650+ credit rating while holding 5 or more accounts.
I challege anyone have me compare any answer, that suze orman gives on her tv show,
to what i would suggest
as i find her answers just plain incompetant,
especially when she states that borrowing money from an ira causes you to pay double taxation.
Thats just plain wrong
Question i have some credit debt and am wondering what points to emphasize in contesting the debt
there may be more than one reason applicable
and in general i owuld like to know what is most strategic or more strategic?
late:
1.do not recall payin late
2.my records indicate ontime payments
3.account status inaccurate
chargeoffs collections repos
4.account may not be mine
5.account reported incorrectly
6.account a file mix up
liens judgement BK foreclosures
7.bk not 100% accurate
8.ditto for lien
9.ditto for judgemnet incorectly reported
10.do not recall foreclosure
11.item erroneous due mistakes
misc:
12.i do not recognize this account
13.i ahve no recollection of this account
14. this account is unfamiliar to me
Answer i would just challange and admit nothing
let them prove the bad credit or remove it in 30 working days
if they prove the late
then look at your statement for that period
and verify your payment date
and then use bbb for relief if they are in error
as for the poss acct thats not yours
again force them to prove the account exists
with a challenge
then if it is in fact not yours
file a police report
and then seek relief under the fed laws related to
