On Mon, 10 Apr 2006 22:19:23 GMT, George Grapman
wrote:

report. If that fails then contact the credit bureau. By law they must
include you explanation in the report.

For practical purposes, that isn't true. The FICO credit score is all
that really matters. And your explanation won't have any impact at
all on your FICO credit score.

Credit bureaus and FICO are like a court. They judge whether people
have good or bad credit, by taking into account everything everyone
says to them. But they take into account what the creditors say a
lot more than what the debtors say. In other words, they're a biased
court. They don't have the same legal constraints as most courts, so
it's perfectly legal for them to be heavily biased. They generally
take the word of the creditors without question, and almost
automatically reject whatever the debtors say.

A big part of our freedom depends on having unbiased courts. The
credit court is one of our most important, for practical purposes, as
it can determine what class you're in, such as middle class, etc.
Therefore a huge chunk of our freedom has, for practical purposes,
been taken away by our credit system.

People who are unwilling to defend their freedom don't deserve it
anyway. If the American people weren't such docile sheep, the credit
bureaus and FICO would have been sued successfully so many times that
none of them would exist anymore.

So don't bother to put an explanation on your credit report. It just
shows that you don't understand. It's like a cockroach trying to
explain to a person with bug spray why the bug spray is unfair. The
cockroach doesn't bother to try to explain, because, being far more
intelligent than most Americans, he knows the person wouldn't hear him
anyway.

If that cockroach wants to have one chance in hell of getting a fair
deal, he has to explain to a judge why he thinks bug spray is
unhealthy. He can't do it by attaching an explanation to his credit
report.