joecseko asked:


NOTICE FROM FEDERAL COURT. PLEASE READ.

You may be eligible to receive a benefit from a class-action settlement if you purchased and paid for a credit score or credit monitoring from ConsumerInfo.com or an Experian Entity between June 17, 1998 and December 27, 2006.

A federal court has directed that this notice be sent to inform you of a proposed class-action settlement. Records show that you entered into an agreement over the Internet with ConsumerInfo.com or an Experian Entity to purchase any Credit Check or Credit Check Monitoring (which were formerly known as CreditCheck® Monitoring Service), Credit Manager (including Yahoo! Credit Manager), Triple Alert, or Triple Advantage credit-monitoring product, or you paid for a credit score sold on a website that also sold one of these credit-monitoring products, between June 17, 1998 and December 27, 2006. If so, you may be eligible to receive a benefit under the proposed settlement.

The settlement will resolve a lawsuit over whether Defendants violated the federal Credit Repair Organizations Act or are liable for claims where the stated basis is about improvement of a consumer’s credit record, history, or rating. Under the settlement, Defendants deny that they are liable, but have agreed not to make certain statements on particular websites and to provide all Settlement Class Members with the opportunity to obtain their choice of a settlement benefit: either (i) a credit score or (ii) 60 days of credit monitoring, as described below and on the settlement website. To see if you are a Class Member and to obtain full notice of the proposed Settlement, the required procedures, the Effective Date, the deadlines, your obligations, and your options, you must visit www.browningsettlement.com. This email is only a brief summary of the full notice that is posted on the website.

If you are an eligible Settlement Class Member, you have rights, obligations, and options under the proposed settlement. You have until May 15, 2007 to make your decision. Your legal rights are affected whether you act or not.

1. Submit A Registration Form Online Or By Mail

This is the only way to get a settlement benefit of either a credit score or 60 days of credit monitoring. You will choose your benefit, and you must keep all of your registration information updated. If you choose credit monitoring, and you don’t cancel your credit-monitoring membership after using your code to obtain the credit monitoring benefit but prior to the expiration of the 60 day, settlement benefit period, you will be billed at the then-applicable rate, which is currently $9.95, for each month that you continue your membership. Beginning on the Effective Date of the settlement, you will be able to register online or by mail. If you register online, your registration must be completed no later than sixty (60) days after the Effective Date, and submitted online by midnight Pacific Time. If you register by mail, your registration must be mailed and postmarked on or before sixty (60) days after the Effective Date. For more information on these deadlines, the Effective Date of the settlement, the registration procedures, and the settlement benefit, you must visit www.browningsettlement.com. Do not contact the Court.

2. Exclude Yourself

This is the only option that allows you to ever be part of any other lawsuit about the claims in this case. You will not be eligible for a settlement benefit. Your request for exclusion must be mailed and postmarked on or before May 15, 2007. Any request for exclusion must be mailed to the Browning Settlement Administrator. Do not contact the Court.

3. Object

Write to the Browning Settlement Administrator in order to tell the Court about why you don’t like the settlement. Your objection must be mailed and postmarked on or before May 15, 2007. Do not contact the Court.

4. Go to a Hearing

Write to the Browning Settlement Administrator to ask to speak in Court about the fairness of the settlement. Your request to speak at the hearing must be mailed and postmarked on or before May 15, 2007. The final fairness hearing is set for July 31, 2007, at which time the Court will consider whether to finally approve the settlement and a request by the lawyers representing all Class Members for no more than $2,550,000 in attorney’s fees and costs.

5. Do Nothing

You will automatically be included in the Settlement Class and give up your right to be part of any other lawsuit about the claims in this case, but you will not be eligible to receive a settlement benefit unless you submit a registration form.

To get complete information about the proposed settlement, the required procedures, the Effective Date, the deadlines, your obligations, and your options, you must visit www.browningsettlement.com. Do not contact the Court.

Please do not reply to this message. We are unable to respond to inquiries sent in reply to this email. To contact us, please access the official settlement website at www.browningsettlement.com.
You can’t tell me that it’s a scam without justifying your answer.It’s not asking me for any personal information at all!
Please keep that in mind while answering.
I was already enrolled in this service and reported them to the Federal Trade Commission three times.Does that help?
This line makes the whole thing seem more legit.
2. Exclude Yourself

This is the only option that allows you to ever be part of any other lawsuit about the claims in this case. You will not be eligible for a settlement benefit. Your request for exclusion must be mailed and postmarked on or before May 15, 2007. Any request for exclusion must be mailed to the Browning Settlement Administrator. Do not contact the Court.

Cathy

Yousif (Joe) R asked:


I AM PISSED OFF!

My workplace lost my time sheet and they told me that I would be compensated next month…

The thing is… I HAVE BILLS DUE NOWWWWWWWWWWWWWWWWWW!!!!

I am so pissed off I am about to start a fight…

Since I’m pretty much screwed – my credit is going to be ruined, and everything else will be lost… should I just jack a monitor?

Can I sue for this?

Beverly

bradphat asked:


I applied for a job at GAP a while back and today I got a letter from them saying that a laptop from their offices, which contained all my personal information, was stolen. They offered me free credit monitoring for a year, but I don’t think that is enough. Is there anything that I can do? Thanks.

Walter

thatblissguy asked:


My question stems from the fact that I have successfully disputed and had removed an account from two of the three bureaus. TransUnion and Equifax have removed an account many months ago, and I am wondering if Experian has an obligation to follow suit with the supporting documents being the deletions from the other two bureaus. I remember reading something to this effect while doing some research a year or so ago.

Please respond only if you have a high level of understanding of credit and please provide supporting evidence/references (An excerpt from FCRA would be great!). Please do not respond with a quip just to get some answer points, thank you!

BTW did you guys hear Obama today?!? Credit heaven for consumers is coming soon! No fee hikes whenever they want, no hidden fees! An oversight executive type agency to monitor the bureaus and lenders, not just the dumb old silent FTP. Plain language, lots more! Google it! Just happened today!

Thanks again!
Yes, I am disputing with Experian, but they have blocked me before. They will look at something they have already verified IF there are additional supporting documents. I am using the fact that the other two buereaus have both deleted this account as additional supporting documentation. Note: This account WAS reported on all three bureaus, its VERY old, and they are no longer attempting to collect this debt. It was deleted b/c of that fact from TU and EQ, and I am filing a dispute with EX to have it re-investigated. My basis in my letter was that it was removed from the other bureaus, and under the FCRA they have an obligation to maintain consistency with the other bureaus (kind of a 2 vs. 1 thing). So 2/3 bureaus are now accurate. I was hoping to have supporting legislative documentation from the FCRA to invoke this pursuant to … and thats really my question. Thanks!

Ernest