Political action: contact every legislator in Congress regarding Capital One credit LIMITS
In response to yesterday’s posting about Capital One and the credit LIMITS, a reader wrote:
Hi Christine. Let me first say that I have read your work for sometime now and I love it! Every time I do a search for anything regarding credit, one of your sites comes up. Anyhow, I have two cap one cards and neither has ever reported a limit. You know the drill. You mentioned needing someone to start a fax campaign and document results. I am not certain exactly what this entails, however if there’s any way I can offer assistance on this issue or any other I have free time and a willingness to fight back and make waves. I have some knowledge of credit which I mostly acquired from sites like yours and hours scouring the Internet, prompted my attempt (and success) at repairing my own credit. Please let me know if and how I can help in the endless fight of unfair credit practices.
Best of luck in all your endeavors.
It’s great to get up and get this inspiring message from a reader who is willing to DO something.
So I set up a new section at CreditLitigation.org
In 2005 I started on a mailing and then fax list to all legislators, but I didn’t have the time and energy to do this by myself and that’s rather dated now. I just checked congress.org and they have yet to update the site with the election results.
I realized back in 2005 that mailing was a total waste of time (after I bought 1,000 large envelopes and was ready for the mailmerge). I was going to send out a “package” to each legislator, which probably would have been thrown away by the legislators’ staff. That’s why I moved towards faxing, it’s a lot cheaper and less labor intensive. The drawback is that if a legislator is actually interested in finding out more, they can’t just click on the links on a fax, email would be better.
So it’s probably best to try e-mail, BUT, on their official congressional websites most legislators require that you utilize their web form, I don’t know whether it’s possible to compile an e-mail list. And, some of the forms require that you are one of their constituents, i.e. live in their district.
I suppose it’s best to start with the legislators we can contact by e-mail or through web forms and, MOST important, follow up when no response is received. That’s the hard part, NAGGING.
And of course we’ll have to focus on members of the finance committees.
We’ll set up a thread for EACH legislator with the contact info and then all communications. It will be difficult to get any response other than auto responses to e-mails. So after a couple ignored e-mails, somebody needs to CALL and get their staff to get answer to the billion dollar question:
As the Fair Credit Reporting Act requires creditors to report COMPLETE and accurate, does Capital One have to report the credit limit?
I’ll put together a one page letter, explaining how important the credit limit is, along with some links and background on my litigation. You read it and tell me whether it makes sense and you might want to add a paragraph.
I’m hoping that the legislators will be more inclined to respond when they realize that our efforts to get them to respond are chronicled for the world to see at the new forum.
This is going to be a TON of work and we really need lots of people willing to contact their legislators and NAG until we got an answer.
If legislators feel that the limit does not have to be reported according to the current FCRA, we need to document whether they would support an amendment requiring the reporting of credit limits AND all other data. There’s no point to an amendment for EACH piece of data, it should read that if the data is relevant to underwriters and scores, it MUST be reported.
So that’s the plan, it’s up to YOU to make it happen!
If you’re interested in helping, please register at CreditLitigation.org and then e-mail me your registration so that I can set up your account with posting privileges.
Posted by Christine on 11/10/2006 at 08:26 AM
2004 Suit (credit limits, credit reporting - on appeal) • Capital One - ruthless banksters • (3) Comments • Permalink
I have been paying my credit cards forever. i get paid bi-weekly so I get behind my bills. And because of lateness I get charge $35 for each credit card. I live from check to check and I’m mostly on time and then there are hard times.
Also, I get charged $35-60 dollars for my overdraft. This is an unfair practice to charge such a fees. Is it illegal?
Love the web site and have had bad Credit Reporting on myself now for 11 years, sent over 100 letters trying to get it cleared, mailed my Govt. Representatives and nothing, so far, has worked,so now it’s time to sue. I was searching for any info like, address’s, form, content of suit, etc., when I found this site and I’d like to be a member. NOt sure you’ll even get this email so I’ll leave it short. Thanks in advance! John Reed
John, you must be holding a record!
Even if you do NOTHING, all negative accounts are supposed to be deleted after 7 years from the DLA.
11 years and 100 letters later you STILL have bad credit?
Just about all of my and my defendants’ filings are at http://forum.creditcourt.com/cgi-bin/discus/discus.pl/ and you can learn a LOT from my mistakes.
And you can subscribe to CreditFactors if you’re looking for general litigation resources.
