I know! I'm still holding on to it. It's not much, was getting in and out, and got fucked with the last trade, now I'm thinking long term...:(

You check your credit every 1-3 days?
WTF......

Its official. You are strange. Every 1-3 days???

Come on. Really? :uhoh:uhoh:uhoh

Damn. I hope you dont put that on the cover of your book.

It is true what I said, I didn't mention anything about having to report the blemishes, I just stated they would be there. Your assumption is that they will just all come off with any reporting, doesn't always work that easy. Better yet Boneprone, why don't you tell us how much you recently settled for on your credit card debt?

Think of all of the people settling with the banks currently on short sale home sales. Even though the lender reports it as paid, it still shows the forgiven home loan as a blemish that isn't going to be wiped away.

Again, I am a man of the people. I am here to help.
This tip does work.

As have all my other tips no??

A simple ThankYou would be nice. So much Hate. I come here with a gift to help the Avarage Joe and like clockwork haters always come.

Lol, well I didn't want the poor boy to get all confused, plus the anal hobbit gig grew old long ago.

This thread should be locked. This is not a scammer board. It ruins the integrity of this board and the company that owns it.

This is not good advise, this is bad for everyone in the end.

Excellent tip and a big bump for you.

Sextoyking is jewish, good fico = good interest = saving money. I'm shocked he doesn't want a report every 1-3 hours. ;)

Thats why you are in Scandinavia. And Scandinavia is well, Scandinavia..
This is for Americans.

You'd do much better just giving us the NBA lock of the night. When are you going to remove Hedo from your sig, I'm thinking a closeup of goofy Oden might work better.

:1orglaugh

I will spread this awesome Anal Hobbit tip around the UK. This is a landmark in the history of the consumers taking charge. This is simply huge you will be known as the Anal Hobbit Hero and not just some porn pusher on GFY. The consumers will no dought forever be in your debt. You are the king we always needed to lead us into the right direction. The economy is safe in your hands... Thanks again we love you :thumbsup

You aren't very smart... are you.. :2 cents:

:1orglaugh i know but there are still people that fall for his shenanigans...

time for some new nicks BP...

Finally someone with a brain... And to top it off he's from the UK.
Thank you for the appreciation. Thank you very much.

I bow down to you dear sir


BTW... I dont mean in a gayish way

You know I had a odd thing happen to my credit report. When I was younger and dumber I bought a house almost right out of high school. Ok so that wasn't the dumb part. Anyway I did some dumb shit and lost the house, however before that happened the mortgage was sold and it was reported as a paid in full loan on my credit report.

So now it's been well past the 7 years and the foreclosure has been removed yet I still show the orginal loan for that house that shows paid in full on my credit report..

Tell me this people. All joking aside.

Why should the Banks get BILLIONS in Bailout Money from the Tax Payers? Where is the Consumers Bailout?

Is it really fair? You are paying taxes on these bailouts. The Banks are still fucking you. The Bail out didnt help you.

Here is an oppertunity. Its not stealing, its accepted by the bank. Why not take advantage?

lol... go 3 months without paying and you have not only a 90 day late reports, but a 60 and 30. that 750 score is now 575. Sign an agreement they wont report it to your credit? Yes, they want a paper trail for the bank fraud and consumer reporting fraud so that their billion dollar company can get your $3500...Forgot the mention that your "perfect credit" will show in big letters under that tradeline, "creditor settled for amount less then due" You wont get a sears card for $500 for 7 years after thats reported. What a fucking retard some people are, seriously.

I'm going to start banking my gas money from anal's last tip and settle with my cc companies for pennies on the dollar.

So many awesome tips. This guy is worth his weight in gold!

Awwwwww... you poor guy! :1orglaugh

They had no choice but to bail out the banks, without them the whole economy is totaly fucked. No its not fair but what else can they do. The banks are blaming the consumers and the consumers are blaming the banks, its just a vicious circle and its always the tax payers that end up paying the bill :2 cents:

Unlike my other tips, there is nothing illegal about this tip. Its 100% legal.
In fact its the Bank who is making the deal.

So why am I the Bad guy?

Sure ive given tips about how to get free hookers and how to steal gas in the past, but this tip really is 100% legit. It's working the system. What's better its working within the system.

A system many of you who are struggling to pay bills and make it by everyday could use to give you some serious financial relief. A system many are not aware of.

The problem this Country is facing on the Consumer level is very very real. There are preditors out there claming to help get you out of debt and help you with your debt. They are basically doing for you (for a very large fee) what I am telling how to do here for free.

Im not sure how that makes me a bad guy.

In fact it doesnt. In fact it helps. A lot.
Sure doing the right thing and paying in full is best. But lets face it. The economy is in the toliet. This is a fact and not something im making up.

This is some relief. I hope I have helped.

Yes. And I am on the side of the people.
:thumbsup

You know what you say is true at least the banks will be getting some of the lent money bank without the hassle of paying even more money out to debt agencys. If you look at it from that prospective both the consumer and banks get something out of it :2 cents:

The problem is all these companies are "too big to fail".. The banks, Freddie and Fannie.. GM, Ford.. ect..ect..

This is why we need govt regulation to break these big companies up, so if they get in trouble they don't bring down the entire economy along with them.

can someone here pull some strings and get me an interview with a news agency?

CNBC? FOX??

I think they would enjoy hearing this perspective. It would make for an intresting dialoge on TV thats for sure.

yep

Im wondering if a lot of the big failing banks/companies will in the end be nationalised

http://latestnews.virginmedia.com/ne...ationalisation

Halifax Bank of Scotland could have to be nationalised if shareholders reject a takeover by Lloyds TSB, the bank's chairman said.

HBOS chairman Dennis Stevenson said the bank could need to raise at least £12 billion in capital if investors threw out the deal and a potential £11.5 billion injection of taxpayers' cash.

If HBOS decided to go it alone, there was "no certainty" over sources of funding, he added.

The bank could be forced to raise dearer funds from the Treasury, potentially resulting in "the loss of independent or private sector status for HBOS", Mr Stevenson said.

Mr Stevenson was writing in a circular to shareholders ahead of a meeting in Birmingham to approve the deal on December 12.

If the deal gets the go-ahead, it will create a banking giant with around 145,000 staff and 3,000 branches across the UK.

Last week the bank rebutted calls from the former heads of Bank of Scotland and Royal Bank of Scotland, Sir Peter Burt and Sir George Mathewson, to abandon the deal - which they claimed was no longer necessary - and install them as chief executive and chairman.

Competition rules have been waived to allow the takeover - which values HBOS at around £5.4 billion at current share prices - to go ahead.

Separately, the chairman and deputy chairman of nationalised mortgage bank Bradford & Bingley have stepped down, the lender said. Chairman Rod Kent, his deputy Nick Cosh and non-executive directors Ian Cheshire and Steve Webster left the company with immediate effect, B&B said.

Chief executive Richard Pym will take the dual role of executive chairman, the bank said in statement.

to anyone who says this isnt legit, then is it legit for credit companies to prey on people charge you 30% on a loan, then turn around to those same people they were just ass fucking and ask for a loan at 5%? people have gone hungry to pay credit card bills, how many CEOs have gone hungry because their company was failing?

no its not really fair, but if it works and its legal then the only losers are those who dont take advantage

life isnt fair but youre either fucking or getting fucked

start fucking

Well Said.

You have no clue how sub prime lending works.

As time goes by, I want people to keep me updated on this.
Let me know how you did.

I fucked Oden in the ass.

This is no big secret really

you can do the same thing with your taxes - file them but don't send them all that you owe them. the government settles too. the radio is filled with ads of these companies that rep you in making deals with the taxman.

The FEDs just announced yesterday they are adding a 100 Billion Dollar buy out of bad credit card debt !

The Banks are also asking the feds to let them write off or settle credit card debt without having to take the hit on their assets. What they want to do is become the debt collector so they can settle on the debt instead of selling it for 1 cent to the dollar. This way a customer will pay $20 per month on $15,000 owed for several years
resulting in them not having to write it off then when things get better they will raise the payments back up to $200 - $300. If someone is totally broke and can't pay then they want to be able to write it off (but not as a bad loan) so their assets don't get written down.

Fuck that. I do not appove of this one. Fucking with the IRS is not something you want to do. They really have the power to fuck you hard. Send you on your ass with nothing.

Two people to always fear and not fuck with.. God and the IRS..

Dont play games with em. Stick with the Credit Cards.

Intresting. So what is the play here for the consumer?
Make 20$ payments? Or try to get the pennies on the dollar settlement?

please, do explain your intimate knowledge of economic practices or shut the fuck up

Lets bump this up for the weekend kids.

Search Google. To sit here and type out in laymens terms so someone such as yourself with your great "knowledge" of how lending works, after reading your post it would take 5 pages to explain. Or your can send me $500, you know, like my clients do and I'll explain it to you. (2 hour max) Im thinking you still wouldnt get it.

What do you think about my tip?

Im thinking that if you can make a deal with them to pay only 50 bucks a month for a few years and not ruin your credit and get a low rate that may be better.

That is if that's what they are really doing right now?

years ago my ex gf ran up my credit card to buy horse riding stuff. I honestly had no idea because she activated the card by calling in. it was an HSBC card that came with a best buy credit card. Anyway, it wasnt until months later I finally answered the phone and they were willing to settle for 20% of what was owed. Long story short, I got the money from my ex and paid off the debt but it remained on my credit history for 7 years 90+ days late but just recently dropped off.

my friend called me this week and told me some fucked up news with his BofA credit card. His credit limit and credit used was about 90% and called the bank and said "I lost my job and I want to work a deal" but they declined. He even wrote a letter and got a response back saying they already offered him 12 months no interest. Anyway, that was months ago but he told me that he got a letter in the mail saying that BofA has CLOSED his account. When he called they would not give him a reason why, but he told me hes going to see if they will work a deal if he is a month or two late.

thats pretty fucked up imo, but I guess they can flag people who look like a threat that are not going to pay their bill so they limit their spending

OMG the infamous Anal Hobbit is back! I'm not taking anything you say seriously but I bet you'd be a most talented con man. That's what you are, right? I bet you're a con man. Youve conned people out of millions and you are proud of it. Get back in the anus!

Its basically Boston Tea Party 2, instead of dumping tea, people are dumping debt.

Intresting..

Lets here more Credit Card Stories.

My cousin told me he did something like this a few weeks ago and paid literally pennies on the dollar for a huge debt amount. He also said he made them put in writing that it was paid in full and nothing negative was on his report AND that any previous reporting for the 30 and 60 day was not correct. He wanted this so he could have them removed.

Brilliant.

I agree with Hobbit... fuck em if you can. They have been fucking us for years.

well this is quite true, this really works BUT i'm not sure how its gonna affect ur credit. lets just say i've know some people who actually got away with this. But I don't know how it affected their credit, if anything. So thread with caution