i pray Equifax makes a mistake on my credit report
seriously
every error is worth $1,000. per violation. per bureau. federal law
they don't know i check my report every 30 days with a highlighter and a grudge
FCRA Section 616 and 617. If a credit bureau reports inaccurate information and fails to correct it after you dispute, you can sue them for $100 to $1,000 in statutory damages PER violation. Plus actual damages. Plus attorney fees. Plus court costs. The bureau pays everything if you win
Every wrong address is a violation
Every account that isn't yours is a violation
Every balance reported incorrectly is a violation
Every duplicate account is a violation
Every account that should have aged off and didn't is a violation
Every "verified" dispute response that didn't include the method of verification is a violation
The average American credit report has 1 error on it. 34% of consumers who checked found at least one error according to the FTC's own study. On reports with errors, the average was 3-4 per file
3 errors x $1,000 per violation x 3 bureaus = $9,000 in statutory damages from one audit of your own credit file
"They'll just fix it when you dispute"
That's the point. Most of the time they DON'T fix it. They send it to an overseas processing center that auto-verifies everything using a system called eOSCAR. The "investigation" is a 2-digit code sent to the data furnisher who checks a box marked "accurate" without looking at anything. The bureau sends you a letter saying "verified as reported"
That fake verification is itself a violation of FCRA 611(a), which requires a "reasonable investigation." Checking a box is not an investigation. Courts have ruled on this repeatedly
The lawsuit pipeline:
Step 1: Pull all 3 reports free at https://t.co/h8nrcLATc9. Screenshot everything
Step 2: Identify every error. Wrong addresses, wrong balances, duplicate accounts, accounts past the 7-year reporting window, mixed file entries (someone else's accounts on your report)
Step 3: Dispute every error via certified mail. One letter per error per bureau. The letter demands correction AND the method of verification per FCRA 611(a)(6)(B)(iii)
Step 4: Wait 30 days. The bureau either corrects it (win) or sends back "verified as reported" (bigger win because now they've violated FCRA by failing to conduct a reasonable investigation)
Step 5: Send a second dispute with additional evidence. If they "verify" again without investigating, you now have TWO documented violations per item
Step 6: Find an FCRA attorney. They work on contingency (they get paid when you get paid). Google "FCRA attorney [your state]" or go to the National Association of Consumer Advocates website. The attorney sends a demand letter to the bureau citing the documented violations. The bureau settles 80% of the time because going to court costs them more than paying you
Average FCRA settlement: $3,000-$15,000 for cases with 3-5 documented violations
Larger cases with systemic errors or mixed files: $25,000-$100,000+
Record FCRA verdicts against bureaus: multiple jury awards over $1,000,000
A client found 7 errors on her Equifax report. 3 wrong addresses. 1 account belonging to someone with a similar name (mixed file). 2 accounts reporting balances $3,000 higher than actual. 1 collection past the 7-year window. Disputed all 7. Equifax "verified" 5 of them without investigation
We connected her with an FCRA attorney. Demand letter sent. Equifax settled for $8,500 plus correction of all 7 items. Her score jumped 67 points from the corrections alone. Plus she got a check for $8,500
Equifax paid HER $8,500 for the privilege of ruining her credit with data they couldn't verify
i don't want a clean credit report. i want a credit report full of errors that the bureau is too lazy to fix so i can collect $1,000 per violation while they delete everything. equifax's incompetence is my income stream lmfaooo
(i fix credit in 30-90 days. link in bio)
One late payment can hold your credit score down 100 points for 7 years
And there's an inbox at every major bank where it gets deleted as a "courtesy" in about a week
You already called customer service. They said "we're required to report accurate information, we can't remove it." That's a script. They read it to everyone
It's also not the whole truth. Banks remove accurate late payments constantly. It's called a goodwill adjustment, it's fully within their discretion, and the people with the authority to do it don't work in the call center
They work in the executive resolution office. Every major bank has one. Its entire job is making problems disappear before they become CFPB complaints
How to reach them:
Email the CEO's office directly. The format at almost every bank is [email protected]. You're not actually emailing the CEO. Executive assistants route these to the resolution team, and the resolution team has powers no phone rep has
The email:
Subject: Goodwill Adjustment Request, Account [last 4 digits]
"I've been a customer since [year]. In [month/year] I missed one payment due to [one honest sentence: medical event, job change, family emergency]. Before and after that single event, my record with you is spotless.
I'm not disputing the accuracy of the late payment. I'm asking for a one-time goodwill deletion of the late mark from all three bureaus in recognition of [X] years as a reliable customer.
This single mark is now limiting a mortgage approval for my family. I'd like to resolve it and keep my accounts with you long term."
Why this works: you're not arguing. You're handing a human at a bank a reason to press a button that costs them nothing. Banks spend $300-$500 acquiring each new customer. Deleting one late mark to keep a profitable long-term customer is the easiest yes in the building
Success rate is highest on a first late with an otherwise clean history. If the answer is no, wait 30 days and send it again. A different person opens it. People have gotten the deletion on attempt 3 after two form-letter denials
The late payment is real. The deletion is also real. The only thing between them is which inbox you send the email to
(i fix credit in 30-90 days. link in bio)
🚨 BREAKING HEALTH CRISIS ALERT 🚨
A PARASITIC NIGHTMARE is exploding across America!
Health officials are now tracking a rapidly spreading stomach parasite ripping through 31 STATES — and it’s only getting worse.
Since May, the CDC has confirmed OVER 800 cases of Cyclosporiasis… with 1,500+ more still under investigation. 86 people hospitalized already. No deaths yet — but this nightmare parasite causes weeks or even MONTHS of explosive, watery diarrhea that will leave you completely drained.
The source? Still unknown… but officials are pointing fingers at contaminated fresh produce — lettuce, basil, cilantro, snow peas. Your salad could be the enemy! 😱
Are YOU protected? Have you or someone you know been hit with nonstop bathroom hell this summer?
SHARE this NOW before it spreads further! Stay vigilant, America.
#ParasiteOutbreak #Cyclosporiasis #HealthAlert #31States
A woman in Atlanta had her identity stolen in 2022 and she has made $43,000 from it so far
Not recovered. MADE. The theft was the best financial event of her life
Someone opened 6 accounts in her name. Three credit cards, a phone bill, a car loan, and an electric account. Total fraudulent debt: $67,000. Her score went from 738 to 412 overnight
Most people would cry, call the police, spend 2 years trying to fix it
She called a lawyer
Under the Fair Credit Reporting Act, every entity in the chain that reported the fraudulent account to her credit file is liable for damages if they don't remove it within 30 days of being notified. Every bureau. Every creditor. Every collector
She filed the FTC identity theft affidavit. She filed the police report. She mailed certified notification to all three bureaus AND all six creditors citing FCRA Section 605B (4-day block requirement for identity theft) AND Section 616/617 (willful and negligent noncompliance damages)
Equifax blocked 4 accounts in 3 days. Good. No liability
Experian blocked 2 but "verified" the other 4 as legitimate. After she provided a police report. After she provided the FTC affidavit. Willful noncompliance
TransUnion blocked 3 but took 47 days on the remaining 3. Past the legal deadline. Negligent noncompliance
Chase removed their card immediately. Capital One took 60 days. The auto lender never responded at all. The phone company sent her to a collection agency AFTER receiving the identity theft notice
Every single failure to comply is a separate federal violation
Her attorney filed:
FCRA lawsuit against Experian: willful noncompliance for verifying fraudulent accounts despite police report. Settlement: $12,000 plus attorney fees
FCRA lawsuit against TransUnion: negligent noncompliance for exceeding the 30-day investigation window. Settlement: $7,500
FDCPA lawsuit against the collection agency for the phone bill: attempted collection on a documented identity theft account after receiving the 605B notice. Settlement: $4,000 plus deletion
FCRA lawsuit against the auto lender: failure to respond to identity theft notice, continued reporting of fraudulent account. Settlement: $8,500
Lawsuit against Capital One: failure to block within 4 days under 605B. Settlement: $11,000
Total collected from lawsuits: $43,000
Attorney fees: paid by the defendants (FCRA requires losers to pay the winner's attorney)
Her out-of-pocket cost: $0
All 6 fraudulent accounts: deleted
Credit score: back to 751
Cash in her bank from settlements: $43,000
"she turned identity theft into a payday?"
She turned THEIR INCOMPETENCE into a payday. The identity theft was the crime. Their refusal to fix it after being notified was the VIOLATION. Two different things. One was done to her. The other she did to them
Every person who's had their identity stolen and spent months calling customer service begging for help was sitting on a portfolio of federal lawsuits they didn't know they had
Your FCRA attorney works on contingency. $0 upfront. The defendants pay attorney fees when they lose. The attorney makes money because the bureaus and creditors violate the law constantly. They violate because 99% of victims don't know the law exists
She told me "the thief stole my identity and got a Kia Sportage. I sued everyone who helped him keep it on my credit report and got a check for $43,000. The thief went to prison. I went to Aruba. On Experian's money"
someone stole her identity and the credit bureaus fumbled the cleanup so badly that she retired for a month on the settlement money lmfaooo
(i fix credit in 30-90 days. link in bio)
Cathie Wood just explained why the establishment will never stop coming for Elon Musk.
And the reason is worse than they think.
Wood: “Tesla was an environmental move, which I think a lot of people attacking his cars… they’ve forgotten.”
They didn’t forget. You don’t forget thirty years of marching and petitioning and begging for the machine that saves the planet.
Someone built it. Forced every automaker on Earth to follow.
Then they turned on him the moment he delivered exactly what they asked for.
Not because he failed them. Because he made them unnecessary.
A solved problem is an existential threat to every institution built to solve it. Kills the funding. Kills the committee. Kills every career that exists to manage the crisis rather than end it.
Wood: “I think he’s the Thomas Edison of our age… he wants to do the right thing to transform the lot of most of humanity.”
Edison was hated too. By the people who sold candles. Every revolution looks like an attack to the people it makes obsolete.
Wood: “What we learn about material science and technologies… is going to help us here on Earth as well.”
SpaceX is not an escape. It is a forge. Build under the most brutal conditions in the solar system and every breakthrough comes home.
Most people at his level stop building and start protecting what they have.
Musk picks the hardest unsolved problem on Earth and runs straight at it.
That is not what terrifies them. What terrifies them is he does it without their funding, without their approval, without a single thing they can hold over his head.
A man you cannot buy is a man you cannot control. And a man you cannot control who keeps solving the problems you profit from is the most dangerous human alive.
They will spend their careers trying to tear him down.
Their grandchildren will live in the world he built anyway.
Elon Musk just put a price tag on obedience. It costs $200,000.
Musk: “You don’t need college to learn stuff. Everything is available basically for free. You can learn anything you want for free.”
Every lecture. Every textbook. Every framework ever written. Free on any screen in any country right now. The entire knowledge monopoly collapsed in a decade. Nobody updated the price tag.
Musk: “Colleges are basically for fun and to prove you can do your chores. But they’re not for learning.”
Strip the ivy and the branding. What’s underneath is a four-year obedience trial. Can this person follow instructions on a schedule without asking why.
Musk: “There is a value that colleges have, which is seeing whether somebody can work hard at something, including a bunch of annoying homework assignments, and still do their homework assignments.”
That is the entire six-figure value proposition. Not what you know. Not what you can build. Whether you can be managed. The establishment doesn’t need you educated. It needs you domesticated.
Musk: “If you’re trying to do something exceptional, you must have evidence of exceptional ability. I don’t consider going to college evidence of exceptional ability.”
The system doesn’t produce exceptional. It produces manageable. It takes the most creative years of your life and teaches you to wait for instructions. That is not education. That is containment.
Musk: “Gates is a pretty smart guy, he dropped out. Jobs is pretty smart, he dropped out. Larry Ellison, smart guy, he dropped out.”
They didn’t leave because they couldn’t keep up. They left because the ceiling was underground.
8 billion people now carry the same library in their pocket. The one these institutions charged a lifetime of debt to access.
The only product the university still sells is the belief that you need one.
Dr. Athiya Javid, Indian-origin OB/GYN in San Jose, under Congressional probe for alleged “birth tourism” services. Foreign expectant mothers reportedly get extra prenatal/postpartum care, housing, logistics & more to secure US citizenship for their babies.
Full story: https://t.co/geGzbSUcHO
Yep
This has been happening for a while now. What is the gain of these commies they don’t seem to act communist they are all living high on the hog!? The gain seems to be personal satisfaction in anyway possible. The good news is we are near the end of it we are so close to the end of this insanity, imagine knowing this and it’s 1973??? 53 years you’d have to go through to get FREE.
🚨 JUST IN — SPENCER PRATT WARNS AMERICA:
“[Communists] have infiltrated all our institutions and created a breakaway network of NGOs that launder your tax dollars to finance the revolution, rig elections, and destroy the pillars of functional society.”
“Are you listening now?”
💯💯💯 @spencerpratt
Wake up!
Destroy communism in America permanently 🇺🇸
Early in my career, I worked at a company where the CEO did something small that I've carried with me for over 20 years.
We had a massive corporate event. Hundreds of employees, catered food, the whole production. I was a junior guy back then, just happy to be in the room.
At the end of the night, the CEO was doing the rounds, shaking hands with the department heads and VPs. Standard executive stuff.
Then he walked past all the suits, went straight to the back of the room, and found the woman who had been clearing plates all night.
He looked her in the eye and said, "Maria, the food was incredible tonight. Thank you."
The room went quiet. Most of the executives didn't even know her name. Some of them had been stepping around her for three hours like she was furniture.
Later, I found out the CEO made it a point to learn the name of every single support staff member in the building. Maintenance crew, Kitchen staff, Security guards, All of them.
I asked him about it once at a company lunch, He told me something I'll never forget.
He said when he was in business school, a professor gave a quiz. The last question was: "What is the first name of the woman who cleans the lecture hall?"
Nobody knew, Everyone left it blank.
The professor said it counted for 20% of the grade. The class was furious. The professor just said: "In your careers, you will meet thousands of people. Every single one of them matters, If you can't be bothered to learn the name of the person who cleans the room you work in, you don't deserve to lead anyone."
The CEO told me he went back the next day and introduced himself to the cleaning woman. Her name was Dorothy. He said he's never forgotten it.
I've hired a lot of people since then. I've fired a few too. And I'll tell you this: the fastest way to fail my interview isn't a bad resume. It's watching how you treat the receptionist when you think nobody's paying attention.
Character shows up in the moments you think don't count.
I bring home a trapped coyote and let it loose in the kitchen.
Hackles up. Teeth bared. Pissing on the floor.
My wife says, "Get it out."
I tell her that is a very unwelcoming and unchristian way to speak about a future house pet.
The children back into the hallway.
I tell them it's a rescue.
I tell them fences are fear.
I tell them cages are barbaric.
I tell them the old rules were cruel.
I tell them it will domesticate in time.
Then I grab my lunchbox and leave them to live with my principles.
When I get home, there is blood on the floor, and the experts who sold me on compassion are already explaining why nobody could have seen this coming.
Anyway, that's Western migration policy.
Whoever posted that post that NovRain replied to is a great person… look right here helped someone. God bless us!! We need more of this collab… I can’t wait to put my answers through Grok now too and really figure out how to get through the final parts of the last 4 years.. Promising!
Im going to answer all of these questions and I can’t tell you how perfect the timing of this post is, so I thank you very much, from my heart! I’ve been making many changes in my life as I am at a turning point. This helped me identify the road blocks I’ve been facing, and suddenly I realize that these are internal roadblocks which require a different approach from within. I’m on it now! 🤗🥰
🚨: A woman with late-stage Alzheimer's who hadn't spoken in 5 years, received psilocybin and started talking, recalling memories and making jokes, after just 19 hours
My favorite line from Atomic Habits has been living in my head rent-free:
“It doesn’t make sense to continue wanting something if you’re not willing to do what it takes to get it. If you don’t want to live the lifestyle, then release yourself from the desire. To crave the result but not the process is to guarantee disappointment.”
My wife has a strict rule: I am not allowed to be left unsupervised in public for more than twenty minutes. This weekend reminded me why.
I’m standing in a long line at a garden center with a massive 50lb bag of specialized bird seed.
This woman behind me taps me on the shoulder and asks, "Oh, do you have a lot of birds?"
Standard small talk, But I’d been in line for fifteen minutes and I was bored.
I looked at her, completely deadpan, and said: “Actually, no, This is for me, It’s a new holistic cleanse I’m trying, High protein, great for the hair.”
The guy behind her immediately stopped scrolling on his phone.
The woman’s eyes went wide. “You… you eat that? Is that even safe?”
I leaned in like I was sharing a government secret. “The results are incredible. I lost 30 pounds last summer. The only problem is the side effects. Last time I did it, I ended up in the emergency room for two weeks. Tubes, monitors, the whole deal.”
She gasped. “From the seeds? Did you get a parasite?”
“No,” I said. “I was perched on a telephone pole trying to sleep and a hawk knocked me off. Fell forty feet.”
The guy behind her made a sound like a tire blowing out. The woman just stood there, paralyzed, trying to process the mental image.
Right then, my wife comes back from the bathroom, sees the look on the woman's face, grabs my arm, and starts dragging me toward the exit.
“He’s kidding,” she tells the woman. Then she turns to me: “This is why we can’t have nice things.”
I don't care. The look on that lady's face was worth more than the bird seed. 😂
It’s here… it’s happening faster and faster.. change is going to accelerate quickly.. the only thing holding it back is fear of change by those who don’t know what AI means to them and the world or are protecting their “legacy income” and as a result are frozen solid by AI change that is happening and coming… it’ll wipe out the need for Enterprise IT soon.
Marc Andreessen’s body breaks the first rule of emergency medicine.
Every ER in America reaches for the same heart attack drug first. It does nothing for him.
He has to warn them himself, every time, before the needle goes in.
That’s not a glitch. It’s a bug in software built for everyone and tuned to no one.
For two hundred thousand years, there was no way to know what made your hardware different from anyone else’s.
You inherited a black box, then spent a lifetime mistaking it for yourself.
Every choice you’ve ever made, you made through hardware you never once read.
The body you’re running was never the statistical average. It was never built to be.
Andreessen: “You can get your whole genome decoded now for 200 bucks online.”
That number used to be 100 million dollars. One lifetime of biological code, locked behind a price only governments could afford.
The man who first decoded the human genome, Craig Venter, spent thirty years building the door. He died the year it finally opened for everyone else.
The future of medicine isn’t a better hospital. It’s medicine that finally has your name on it.
You map your DNA. You pull a blood panel. You sync the sensor already sitting on your wrist. You feed it to the machine.
Andreessen: “It’s almost like the diagnostic bed in Star Trek. It knows everything about you.”
It reads your code while you sleep. It catches the anomaly before it becomes a symptom. None of it gets tired, distracted, or wrong.
The hard part was never the science. It was never the price. It was the wanting.
Andreessen: “That’s the question you have to want to ask.”
The machine will hand you the exact truth about your own body. It cannot make you ask for it.
Most people will spend eighty years inside a machine they never once requested the manual for.
You are the first generation in the history of the species for whom not knowing yourself is a preference.
For two hundred thousand years, not knowing yourself was a sentence. Today, it’s a choice.
Choose the manual.
How is this allowed @BillAckman! I’m sure you have sizable compliance checks you need to do for the US Gov’t in your fund. WTF - if you slacked on any one of them enough, we’d read it in the Journal the next day… but this happens.. this grubby nepotism of politicians who get “appointed” with (large salaries ahem…) and then deliver the agenda of these corrupted politicians. It’s the hollowing out of America… it’s happened all over.. thanks for calling it out from your platform. You were great on Billions by the way.;-).
Imagine your family worked for a generation to save enough money to buy a brownstone occupied with rent stabilized tenants on the Upper West Side. The family financed the purchase with a mortgage from a bank based on the premise that rents and cash flow would at least keep pace with inflation so you could pay interest and principal on the mortgage and hopefully have some cash flow left as a return on your investment.
While you had rent stabilized tenants, you were led to believe that the NYC Rent Guidelines Board would be required to adjudicate rental increases each year by taking a measure of the inflation of costs to own and operate a building and setting rental increases appropriately.
You believed the RGB would do its job as the board is comprised of two representatives each for landlords and tenants and five independent representatives that represent the general public.
Now, a new mayor @NYCMayor Mamdani is elected on the promise of freezing rents. There are about two million rent stabilized renters that benefit if rents are frozen so by promising frozen rents the new candidate for mayor buys votes and wins the election.
The new mayor achieves his objective by stacking the RGB with directors who do not follow their obligations and simply vote for a rent freeze as a preordained conclusion as evidenced by the statements of an RGB director who resigned in protest for this very reason.
Meanwhile, inflation in NYC is rampant in utilities, real estate taxes, insurance, repairs and maintenance, etc. and now your rents are frozen. Real estate is a high operating leverage business which means that frozen rents and inflating expenses will cause property cash flows to plummet and your after debt service cash flow to go negative.
I expect therefore there will be hundreds if not thousands of small NYC property owners who are now or will shortly be underwater on their mortgages, and without any cash flow to maintain their assets.
If you remember the images of the South Bronx burning in the mid 1970s, you can viscerally understand what is happening to small NYC real estate owners.
While the rent freeze appears to be short-term good news (long term it will lead to poorly maintained apartments) for 2 million NYC renters, it is bad news for the 2 million or more renters in the 1 million market rate apartments in the City because a landlord-hostile market is not likely to add meaningfully more supply and market rents will likely continue to escalate at a high rate.
All of this seems quite unfair and wrong unless I missing something?
Why am I wrong?
For disclosure: I do not own any NYC rental apartments.
In 1996, a 17-year-old took a job behind the counter at an O'Reilly Auto Parts store in Wagoner, Oklahoma, helping customers find the right part for their car. Thirty years later, he runs the whole company. He has never worked anywhere else.
His name is Brad Beckham. The tweet gives you two points on his timeline: parts specialist at 17, CEO at 45. The whole story sits in the gap between those two lines.
That gap is thirteen jobs. After the counter came assistant manager, then store manager, then district manager. Then region director, division vice president, vice president of store operations, two different senior vice president jobs, executive vice president, chief operating officer, and co-president. In early 2024, he got the top job.
He earned most of those promotions in places you would need a map to find. He managed stores in Madill, Oklahoma, and in McKinney and Tyler, Texas. He ran a district out of Beaumont. He spent years in Atlanta before the company moved him to its headquarters in Springfield, Missouri. He was running real stores in small towns long before he ran anything from a corner office.
Look at what he runs now. O'Reilly opened in 1957 with one store and 13 employees in Springfield. Today it has 6,644 stores across 48 states, Puerto Rico, Mexico, and Canada, employs more than 93,000 people, and brought in $17.8 billion in sales last year. The company is worth more than $70 billion. The single counter he stood behind at 17 is now one of more than six thousand he is responsible for.
He is also only the fourth person to be CEO in the company's entire history. Four people have held the chair since 1957. And sales at its existing stores have gone up every year for more than three decades. That streak started around the time the company went public in 1993, the same years Beckham spent working his way up.
The two-line version makes it look like a leap. It was 30 years, thirteen titles, and a slow move through half a dozen small American towns. He started by helping one person find the right part. He ended up running the place.
Another crook… good news is this will get around this culture and the others doing this will start cutting bait quick on their schemes… that’s a long time in Federal Prison.
Indian-origin physician Dr. Neil K. Anand, known for treating 9/11 victims in New York and later serving as a US Navy doctor, was sentenced to 14 years in federal prison. He was also ordered to pay over $2 million in restitution and $2 million in forfeiture.
“According to court documents, Anand orchestrated a scheme involving ‘goody bags’ of medically unnecessary prescription medications dispensed through his in-house pharmacies. These were billed to Medicare, OPM, Independence Blue Cross, and Anthem—totaling over $2.4 million in fraudulent reimbursements.
He allegedly conspired to distribute oxycodone outside legitimate medical practice, with unlicensed interns writing prescriptions on pre-signed blanks from him. Over 20,000 oxycodone tablets were prescribed to just nine patients.
https://t.co/KV5LlZo8dC