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JanesPearl7

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Jul 22, 2021
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credit scores are bogus, they are controlled by other countries and large banks, why do credit scores drop when a company looks at your credit score? It shouldn't, a credit score should be credit score no matter if it is looked at or not. they want to control your buying power and keep you down. we need to create alternatives to paypal, credit bureaus, criminal governments, any evil on the market, needs a counter company that is good and works for the good. we need good people. don't let anyone fool you, this is a war against God and people, don't let anyone say that this isn't

 

Lamentation

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Mar 5, 2021
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credit scores are bogus, they are controlled by other countries and large banks, why do credit scores drop when a company looks at your credit score? It shouldn't, a credit score should be credit score no matter if it is looked at or not. they want to control your buying power and keep you down. we need to create alternatives to paypal, credit bureaus, criminal governments, any evil on the market, needs a counter company that is good and works for the good. we need good people. don't let anyone fool you, this is a war against God and people, don't let anyone say that this isn't

Why doesn't this surprise me! My youngest daughter called me crying her eyes out, as a matter of fact I believe it was during the specified timeframe, and told me her score had PLUMMETED into the abyss. She had been working on her score for over the past couple of years now, due to a bad ,yet misfortune circumstance when her cat was hit by a car and the local credit union granted her a $1,500 loan while she was unemployed and with absolutely NO INCOME! YES! YOU READ THAT RIGHT. So, again, I am not surprised in the least.

PS: She got over the shock and her score was inaccurate 😊😘🤗
 
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JanesPearl7

Well-known Member
Jul 22, 2021
544
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Why doesn't this surprise me! My youngest daughter called me crying her eyes out, as a matter of fact I believe it was during the specified timeframe, and told me her score had PLUMMETED into the abyss. She had been working on her score for over the past couple of years now, due to a bad ,yet misfortune circumstance when her cat was hit by a car and the local credit union granted her a $1,500 loan while she was unemployed and with absolutely NO INCOME! YES! YOU READ THAT RIGHT. So, again, I am not surprised in the least.

PS: She got over the shock and her score was inaccurate 😊😘🤗
Credit Unions seem better to go to, I am not sure if the smaller credit unions are not owned by big conglomerates like Blackrock or not. I have heard that people do have better success rates at a credit union to get a loan.

Biden and all the evil bank racketeers are killing businesses because they can't sell any larger goods because people are not qualifying for loans like they used to and with the so-called fake supply chain issues the small and even large businesses can't service their customers well, so it is a lose - lose scenario for both people and businesses.
 
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Lamentation

Well-known Member
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Mar 5, 2021
735
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Pilgrim & Foreigner
Credit Unions seem better to go to, I am not sure if the smaller credit unions are not owned by big conglomerates like Blackrock or not. I have heard that people do have better success rates at a credit union to get a loan.

Biden and all the evil bank racketeers are killing businesses because they can't sell any larger goods because people are not qualifying for loans like they used to and with the so-called fake supply chain issues the small and even large businesses can't service their customers well, so it is a lose - lose scenario for both people and businesses.
Actually, they're "ALL IN" on "THIS TOGETHER"! One way or another, they're out to DESTROY EVERYONE AND EVERYTHING "AMERICAN/AMERICA!
 
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Lamentation

Well-known Member
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Mar 5, 2021
735
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Pilgrim & Foreigner
Credit Unions seem better to go to, I am not sure if the smaller credit unions are not owned by big conglomerates like Blackrock or not. I have heard that people do have better success rates at a credit union to get a loan.

Biden and all the evil bank racketeers are killing businesses because they can't sell any larger goods because people are not qualifying for loans like they used to and with the so-called fake supply chain issues the small and even large businesses can't service their customers well, so it is a lose - lose scenario for both people and businesses.
In addition to my first comment, I went into the credit union and paid my daughter's loan off so that it wouldn't hurt her credit, but she threw a fit (keep in mind that she is a victim of indoctrination, crt, brainwashing...) under the FALSE pretense that she wanted to be the one paying it herself (with my $$$ however), that she is an adult and I completely humiliated her and I embarrassed her. Long story short, they ACTUALLY reversed the payment, returned the $2,000 (loan plus interest and fees) to me, I gave the money to my daughter to pay off the loan, but she took the money and instead, set up repayment arrangements with the bank (knowing she was unemployed and HAD NO MEANS TO REPAY) all of which took place with the HEAD of that department.

In addition to all of that, My credit was impeccable at that time. I had taken out two loans at that institution, and repaid both. However, I had taken out three additional loans since that time, paid two of the three off, in full, and was in the process of paying off the last 1,000 of the last loan (all of my loans were at least $5,000 each). I fell behind due to injuries from an automobile accident, coupled with all the draconian lockdowns, I was behind one payment of $106 (ONE HUNDRED SIX DOLLARS) and they took me to court, and putting a JUDGMENT against me. Not a SINGLE attorney would take my case within 100 miles of where I live! NOT ONE!!! I was told by one firm that the banks had bought ALL the attorneys in my area, and that my chances of obtainin legal representation were Zero to Nil! I have my own opinion on why this took the course that it did. I know that IT ISN'T LOGICAL! And, as the saying goes, "There are NO Conspiracies, but There are NO Coincidences"! They TRULY ARE ALL IN ON THIS TOGETHER!!!
 
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JanesPearl7

Well-known Member
Jul 22, 2021
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506
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In addition to my first comment, I went into the credit union and paid my daughter's loan off so that it wouldn't hurt her credit, but she threw a fit (keep in mind that she is a victim of indoctrination, crt, brainwashing...) under the FALSE pretense that she wanted to be the one paying it herself (with my $$$ however), that she is an adult and I completely humiliated her and I embarrassed her. Long story short, they ACTUALLY reversed the payment, returned the $2,000 (loan plus interest and fees) to me, I gave the money to my daughter to pay off the loan, but she took the money and instead, set up repayment arrangements with the bank (knowing she was unemployed and HAD NO MEANS TO REPAY) all of which took place with the HEAD of that department.

In addition to all of that, My credit was impeccable at that time. I had taken out two loans at that institution, and repaid both. However, I had taken out three additional loans since that time, paid two of the three off, in full, and was in the process of paying off the last 1,000 of the last loan (all of my loans were at least $5,000 each). I fell behind due to injuries from an automobile accident, coupled with all the draconian lockdowns, I was behind one payment of $106 (ONE HUNDRED SIX DOLLARS) and they took me to court, and putting a JUDGMENT against me. Not a SINGLE attorney would take my case within 100 miles of where I live! NOT ONE!!! I was told by one firm that the banks had bought ALL the attorneys in my area, and that my chances of obtainin legal representation were Zero to Nil! I have my own opinion on why this took the course that it did. I know that IT ISN'T LOGICAL! And, as the saying goes, "There are NO Conspiracies, but There are NO Coincidences"! They TRULY ARE ALL IN ON THIS TOGETHER!!!
Sickening! Disheartening! Their is something going on with the credit bureaus. Kids will go against their parents too. So sorry!! I could go into things here, but it will suffice that they are similar and not good. Thank you for writing and take good good care, God bless!
 

Lamentation

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Mar 5, 2021
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Sickening! Disheartening! Their is something going on with the credit bureaus. Kids will go against their parents too. So sorry!! I could go into things here, but it will suffice that they are similar and not good. Thank you for writing and take good good care, God bless!
🕊God bless you as well🙏🏻
 

Lady Patriot

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Dec 30, 2020
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🕊God bless you as well🙏🏻
THE WHOLE set of posts is so sad....SAD that things have deteriorated...SAD that the banking cartel has such a strong-hold on literally everything...SAD that your daughter had the gaul to scold you, etc....SAD that you had the accident & lawyers literally would not take your case....I could go on...but won't.....NEVER, EVER GIVE UP & keep the faith....for God is with us, especially during times that try the patience of Job...
HERE'S HOPING YOUR DAUGHTER LEARNS that "there is no such thing as a free lunch, that credit ratings take DECADES to really "stick" and make sense,..and that she has a GREAT DAD who brings compassion EVEN when she is rebelling...
 
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Lamentation

Well-known Member
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Mar 5, 2021
735
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Pilgrim & Foreigner
THE WHOLE set of posts is so sad....SAD that things have deteriorated...SAD that the banking cartel has such a strong-hold on literally everything...SAD that your daughter had the gaul to scold you, etc....SAD that you had the accident & lawyers literally would not take your case....I could go on...but won't.....NEVER, EVER GIVE UP & keep the faith....for God is with us, especially during times that try the patience of Job...
HERE'S HOPING YOUR DAUGHTER LEARNS that "there is no such thing as a free lunch, that credit ratings take DECADES to really "stick" and make sense,..and that she has a GREAT DAD who brings compassion EVEN when she is rebelling...
Thank you so much for your kind words of Wisdom and blessings. Yeah and Amen!
🕊 "The Lord is my rock, and my fortress, and my deliverer; my God, my strength, in whom I will trust; my buckler, and the horn of my salvation, and my high tower." 🙌 🙌 🙌
No weapon that is formed against me shall prosper!!!
God bless you 💞🙏🏻
 
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JanesPearl7

Well-known Member
Jul 22, 2021
544
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What I find amazing and truly should be illegal is that Experian Credit has its customer service in the Philippines and the first thing they ask is for my social security number! These people in other countries have access to everyone's social security numbers and their loans and bills. How can this be legal with our private information being sent overseas!
And ...
Okay, for the last 2 months or less, I talked myself into trying to use Experian, I got my credit score and used Experian Boost, to see if it would increase my score, as I have low debt and don't qualify for loans now. Yeah, how weird, right? Anyway, stay away from this program, Experian Boost, it connects to your bank account and it actually lowered my credit score! The reason is because I had a credit pull by a company. This lowered my score by 7 points and my husband's by 17 points. This should not be allowed as we didn't even get the product. We rejected the loan terms and we got punished for it because we didn't take the offer.

This is communist because the credit bureaus force you to lower your scores if you don't work with the company. In a free society you should be free to do business with who you want to without being punished. This is a socialistic capitalism in the US and it will not work, maybe America should try pure capitalism, which is pure freedom.
 
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Lady Patriot

Senior Member
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Dec 30, 2020
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What I find amazing and truly should be illegal is that Experian Credit has its customer service in the Philippines and the first thing they ask is for my social security number! These people in other countries have access to everyone's social security numbers and their loans and bills. How can this be legal with our private information being sent overseas!
And ...
Okay, for the last 2 months or less, I talked myself into trying to use Experian, I got my credit score and used Experian Boost, to see if it would increase my score, as I have low debt and don't qualify for loans now. Yeah, how weird, right? Anyway, stay away from this program, Experian Boost, it connects to your bank account and it actually lowered my credit score! The reason is because I had a credit pull by a company. This lowered my score by 7 points and my husband's by 17 points. This should not be allowed as we didn't even get the product. We rejected the loan terms and we got punished for it because we didn't take the offer.

This is communist because the credit bureaus force you to lower your scores if you don't work with the company. In a free society you should be free to do business with who you want to without being punished. This is a socialistic capitalism in the US and it will not work, maybe America should try pure capitalism, which is pure freedom.
...THE ONLY THING THAT WILL KEEP YOUR SCORE CLIMBING...is to pay bills 100% ON TIME (never late)... plus don't have a bazillion credit cards that you use. STICK TO VISA, MASTERCARD, AMEX and ttttttttttthat's it....(NO STORE CHARGE CARDS)...and pay those bad boys off each month (if you can),
These LITTLE TRICKS WILL INCREASE YOUR CREDIT SCORE

We've all been there...when things go south and we have HAD to "charge" stuff... don't get trapped into the debt yo-yo.
PAY OFF THE CHARGES as you can AND BE AWARE YOU CAN'T KEEP CHARGING AND CHARGING if you don't have the income to cover the basics...let along pay off all those charges.

IF YOU HAVE NEVER MADE OUT A BUDGET, DOOOOOOOO SO NOW.
(take your net income and SUBTRACT your expenses for food, gas, rent, insurance, etc. ON A PIECE OF PAPER...THEN SEE WHAT'S LEFT OVER...AND DON'T SPEND ANY MORE THAT YOU MAKE...

THE END....

and don't forget to set aside 10% for savings....
even on $1.50/HOUR back in the 1970's...we saved $6 per paycheck . If just takes the will (and dicipline) to abide by a budget...and down the road, you will be debt free...while others do the debt yo-yo trying to keep up with the Joneses!
 
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JanesPearl7

Well-known Member
Jul 22, 2021
544
506
93
...THE ONLY THING THAT WILL KEEP YOUR SCORE CLIMBING...is to pay bills 100% ON TIME (never late)... plus don't have a bazillion credit cards that you use. STICK TO VISA, MASTERCARD, AMEX and ttttttttttthat's it....(NO STORE CHARGE CARDS)...and pay those bad boys off each month (if you can),
These LITTLE TRICKS WILL INCREASE YOUR CREDIT SCORE

We've all been there...when things go south and we have HAD to "charge" stuff... don't get trapped into the debt yo-yo.
PAY OFF THE CHARGES as you can AND BE AWARE YOU CAN'T KEEP CHARGING AND CHARGING if you don't have the income to cover the basics...let along pay off all those charges.

IF YOU HAVE NEVER MADE OUT A BUDGET, DOOOOOOOO SO NOW.

(take your net income and SUBTRACT your expenses for food, gas, rent, insurance, etc. ON A PIECE OF PAPER...THEN SEE WHAT'S LEFT OVER...AND DON'T SPEND ANY MORE THAT YOU MAKE...

THE END....

and don't forget to set aside 10% for savings....
even on $1.50/HOUR back in the 1970's...we saved $6 per paycheck . If just takes the will (and dicipline) to abide by a budget...and down the road, you will be debt free...while others do the debt yo-yo trying to keep up with the Joneses!
Lady Patriot, thank you for your kind reply! Let me know if what I am saying below makes sense to you.

Here's the thing that I am speaking of, first point is these credit bureaus should not be in business and especially doing business outside of the USA because the other countries have access to all of our country's citizens accounts and social security information.

My other point is that my husband just paid over $500 on his only credit card and paid it off, well the credit card company charged him $8 that he did not know about to keep the card, so he missed that payment of $8 after he paid over $500 in one payment to pay the card completely off, well this credit card company reported the $8 to the credit bureaus as a late payment!! This dropped his credit, after he paid off his card! This is crazy and a illegitimate way to treat people,

Here is kind of what I am talking about, but my issue is with finances, God's issue is with forgiveness.

Matthew 18:21-35

King James Version

21 Then came Peter to him, and said, Lord, how oft shall my brother sin against me, and I forgive him? till seven times?
22 Jesus saith unto him, I say not unto thee, Until seven times: but, Until seventy times seven.
23 Therefore is the kingdom of heaven likened unto a certain king, which would take account of his servants.
24 And when he had begun to reckon, one was brought unto him, which owed him ten thousand talents.
25 But forasmuch as he had not to pay, his lord commanded him to be sold, and his wife, and children, and all that he had, and payment to be made.
26 The servant therefore fell down, and worshipped him, saying, Lord, have patience with me, and I will pay thee all.
27 Then the lord of that servant was moved with compassion, and loosed him, and forgave him the debt.
28 But the same servant went out, and found one of his fellowservants, which owed him an hundred pence: and he laid hands on him, and took him by the throat, saying, Pay me that thou owest.
29 And his fellowservant fell down at his feet, and besought him, saying, Have patience with me, and I will pay thee all.
30 And he would not: but went and cast him into prison, till he should pay the debt.
31 So when his fellowservants saw what was done, they were very sorry, and came and told unto their lord all that was done.
32 Then his lord, after that he had called him, said unto him, O thou wicked servant, I forgave thee all that debt, because thou desiredst me:
33 Shouldest not thou also have had compassion on thy fellowservant, even as I had pity on thee?
34 And his lord was wroth, and delivered him to the tormentors, till he should pay all that was due unto him.
35 So likewise shall my heavenly Father do also unto you, if ye from your hearts forgive not every one his brother their trespasses.
 

Lady Patriot

Senior Member
War Room VIP Member
Dec 30, 2020
5,303
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Lady Patriot, thank you for your kind reply! Let me know if what I am saying below makes sense to you.

Here's the thing that I am speaking of, first point is these credit bureaus should not be in business and especially doing business outside of the USA because the other countries have access to all of our country's citizens accounts and social security information.

My other point is that my husband just paid over $500 on his only credit card and paid it off, well the credit card company charged him $8 that he did not know about to keep the card, so he missed that payment of $8 after he paid over $500 in one payment to pay the card completely off, well this credit card company reported the $8 to the credit bureaus as a late payment!! This dropped his credit, after he paid off his card! This is crazy and a illegitimate way to treat people,

Here is kind of what I am talking about, but my issue is with finances, God's issue is with forgiveness.

Matthew 18:21-35

King James Version

21 Then came Peter to him, and said, Lord, how oft shall my brother sin against me, and I forgive him? till seven times?
22 Jesus saith unto him, I say not unto thee, Until seven times: but, Until seventy times seven.
23 Therefore is the kingdom of heaven likened unto a certain king, which would take account of his servants.
24 And when he had begun to reckon, one was brought unto him, which owed him ten thousand talents.
25 But forasmuch as he had not to pay, his lord commanded him to be sold, and his wife, and children, and all that he had, and payment to be made.
26 The servant therefore fell down, and worshipped him, saying, Lord, have patience with me, and I will pay thee all.
27 Then the lord of that servant was moved with compassion, and loosed him, and forgave him the debt.
28 But the same servant went out, and found one of his fellowservants, which owed him an hundred pence: and he laid hands on him, and took him by the throat, saying, Pay me that thou owest.
29 And his fellowservant fell down at his feet, and besought him, saying, Have patience with me, and I will pay thee all.
30 And he would not: but went and cast him into prison, till he should pay the debt.
31 So when his fellowservants saw what was done, they were very sorry, and came and told unto their lord all that was done.
32 Then his lord, after that he had called him, said unto him, O thou wicked servant, I forgave thee all that debt, because thou desiredst me:
33 Shouldest not thou also have had compassion on thy fellowservant, even as I had pity on thee?
34 And his lord was wroth, and delivered him to the tormentors, till he should pay all that was due unto him.
35 So likewise shall my heavenly Father do also unto you, if ye from your hearts forgive not every one his brother their trespasses.
There are such things as "truth in lending" laws...and it's a grey area that credit card companies NEVER want to talk about.
The "surprise" $8 fee...might have been a technical fee that was listed in the original SMALL PRINT when you first signed up for it...don't know and it's nobody's business...OR, it was literally a "late fee" that you were unaware of. SOMETIMES the card companies have a 25-day window in which to pay...before they slap on "fees"....and THAT may have been the case.

ANYWAY, unless it's a major credit card, dump these guys and use the one associated with your bank.
I don't know ANY card companies who charge a "fee" just for the "priviledge" of using their card....aside from COSTCOVISA which is a membership fee.
Since they already forwarded the "late fee-delinquent" charge to the credit bureau...IT WILL STAY WITH YOUR REPORT FOR 7 YEARS....before it's wiped off.
Sorry, but the card company "cartel" has everyone by the throat...they are intn'l....and no one can touch them because they literally OWN how business is transacted today :-0
PS you're soooooo right about them.

Good luck and know it will take 7-years to "really" get back to "normal"...but then you just learned a VALUABLE LESSON that I'm sure you guys won't be repeating. :-0
IN THE FUTURE, IF YOU'RE UNCLEAR ABOUT "whether" you're paying off something (and you "think" you are...but there might be some hidden "stuff") ...ALWAYS CALL THE BILLING DEPT. to MAKE SURE OF THE AMOUNT that will WIPE THE SLATE CLEAN TO ZERO....and then ask how long you have to wait until you can use the card again...without incurring "carry over" INTEREST charges... (GENERALLY 2 MO'S if you don't want to keep getting % charges...when you ask them this....they get straight...and could accommodate you with a "credit" of whatever pittance amount was late, and thus, wipe your slate to zero)....
Calling FOR THE CORRECT AMT. saved my bacon in yesteryear...and probably will you too...if you run into future issues.
Hope this info. helps....and
🙏🙏🙏🙏's TO YOU as you climb back in the credit saddle.
 

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