Do Not Be Deceived by False-Misleading-Deceitful Or Bad Information

Once in a while, my reader contact me through email or by phone informing me that they have seen my article title or some of the contents of my particular articles on some sites but credited to another author. They even send me links and snap shot of a page where the title or content appear. As a result, I investigate and inform the site Admin. Some of the site Admin.s think they are smarter than I am.

What do they do: They remove the content or delete the entire page and respond to me by saying "I must be mistaking", "it is a great concern, but there is no such thing" or combination of other words that represent similar meaning.

These people do not know that I sue companies and win or settle based upon facts and records not unfounded allegations.

As a result, I dedicated a portion of my storage for such users, abusers, cheater and deceivers.

However, as I was going back and forth with one of these admins who has some of my illegal contents I stumbled upon an article which is titled "How To Remove A Bankruptcy From Your Credit Report" by some author let's say M.C.

I read the first few lines of the article, which was providing very much deceiving information. I don't like to use other people's content (even for the purpose of using it as an example. But I have no choice since I am using it as an example of unlawful attempts and very concerned for readers' finances and want to make certain you do not commit a crime in the process of repairing your credit. In the first few sentences, it says:' "The First Steps: Go over your credit report very carefully. If you live at an address other then the address where you filed, have it removed. Debts are often tied to addresses.

Then, dispute and remove every account showing as "included in bankruptcy". This shouldn't be hard since creditors have very little incentive to verify the information. Why would they? They can't get paid on it." by M.C.

Allow me to analyze this a bit for you. Although this is not the entire article, but the first step is clearly noted and I have a snap shot of it saved for raining day.

Here are the problems with the first step:

Why you may say it is illegal? Here are just a few (based upon reading the first few lines)

a. A person cannot remove accurate information without the knowledge of the ones reporting the information (specially creditors the debt is owed to). Changing the address or false claim that the address was not mine is one of those... Then you must file an affidavit and submit it to the creditors who will investigate and if they find otherwise, they may prosecute you. When you dispute with the Credit Bureaus, the bureaus will turn your dispute to the creditors for investigation as their "NORMAL 30 days investigation process."

b. The credit information is NOT addressed dependent, but SSN and other important and relevant information dependent. Some people change address faster than you and I change shirt. If someone wants to claim that "I did not live at such address" and disputes a line items (a derogatory) based upon that fact; and later is found that he/she did, that person would be investigated by the federal authorities and prosecuted in federal court (especially these day that fraud is very high). That is if creditors complain to the authority.

c. Removing a true bankruptcy record without the authorization of a bankruptcy court is federal offense.

d. These days, creditors database updates the bureaus database electronically and the accurate information will soon be placed back on (after removal).

e. With the new system in place with Equifax and TransUnion (Experian is always a couple of steps behind), the man- handling (human/CS interventions) of information is getting more and more limited... (This is a FACT). I speak with the executive offices of these two companies very regularly.

I only read the first few lines of this author's content therefore, I am commenting on what I read, however, there may be other issues with that article which may get readers who would follow the advice in trouble.

Therefore, my dear readers and consumers, be careful what you read. If you think, what you read has a deceitful nature and is untrue, then stop, think and think real hard before doing so.

Allow me to give you an example. I had a client who needed my help (let's say John). John told me that some accounts were not his, while in reality they were. I asked him to tell me the truth, because just like attorneys ask you if you committed a crime (tell me the truth), it is all about knowing how to defend a person/client. How to approach/put-up a defense or what to avoid. John lied to me as I was trying to do my best to protect him. Therefore, I contacted a few creditors and told them the charges were not his. As a result, John had to prepare and file Fraud forms and police reports. A couple of those creditors who did not want to give in so easily, sent the files to their investigation/enforcement division who contacted me and asked me for some additional information. Unknown to me that John was also playing me, yet I was trying to protect him, I gave very limited information. The information did not match the records the creditors had. To cut the long story short, John ended up in criminal Court with a couple of charges... Meaning spent thousand of dollars in attorneys' fees sleepless night destroyed his reputation and etc.

Do you get the picture? You can fix your credit legally, as IT IS YOUR RIGHTS. You do not have to be deceitful and harmful to yourself. Creating a criminal record or having sleepless nights (thinking if the information you gave someone "is going to byte you in the butt") should not be in your agenda of credit repair. Be honest and still you can accomplish the task.

I have been helping people for over 13 years now and wrote a couple of books for that matter. You do not have to buy my books or get my help. However, watch and be careful as to what you read. Do NOT apply things that are untrue, have deceitful nature and illegal. You may not know if something is illegal, but you know if it is untrue, immoral, and deceitful.

Thank you,

Good luck and best wishes

Mike Samadi

You can go to the website below and post your questions. Your personal information will remain confidential and is NOT sold or shared with anyone else.

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Bio

Mike Samadi is an author of several books and is widely known as a credit repair expert. Read Mike's book ("Bad Things happen to Good People. Your Credit = Your Life, Fix It Now!" or "Saving Your Money") to gain knowledge and experiences needed to overcome your problems. You should also visit the website at http://www.MasterCreditRepair.net to find out more and fix your credit.