Post Number: 1882
|Posted on Monday, March 01, 2004 - 06:04 am: ||
EXHIBITS AL – AN
Federal Reserve Bank of Richmond and James McAfee, Senior VP and General Counsel
EXHIBIT AL - Plaintiff’s 1/30/03 fax to James McAfee
1) 1/30/03 – Plaintiff’s fax to Mr. McAfee, inquiring whether he received the power of attorney and requesting an update. No reply was received.
EXHIBIT AM - Plaintiff’s spreadsheets from her web site with Balance/Limit Ratio calculations.
1) Readers can save this spreadsheet at http://creditcourt.org/BL-ratio.xls or use it on the web to calculate their OWN balance/limit ratio.
2) This analysis from plaintiff’s web site at http://creditcourt.org/BL-ratio-Nissan.xls is based on a 3/1/03 Fair Isaac credit report and score with a 77% ratio due to the Capital One refusal to report the credit limit and Nissan incorrectly reporting (verified on dispute) a 5 year old auto loan charge-off as “revolving” and with an incorrectly low limit.
The calculations illustrate how important seemingly insignificant data can be and the possible ratios range from 16% to 77%.
EXHIBIT AN - Plaintiff’s letter to CIC (Experian) about the missing limits, the spreadsheet with her own Balance/Limit Ratios and the 2/27/04 ConsumerInfo.com (CIC) tri-merged report with the bizarre CIC scores.
1) 2/27/04 - Plaintiff’s spreadsheet with the calculations for her own B/L Ratios, the actual ratio based on her limits and the ratios based on the 2/27/04 CIC report.
2) 2/28/04 – Plaintiff’s letter to Ms. Vaudreuil, attorney for Experian and ConsumerInfo.com, inquiring why the limits STILL are not reported, how the CIC snake oil score explanation derive the bizarre ratios of 96% for Equifax and 98% for Trans Union. Plaintiff also inquires why several accounts are reported as “unrated” for Trans Union despite its claim that they do not report the accounts as unrated.
3) 2/27/04 – Plaintiff’s incomplete and incorrect CIC tri-merged credit report with all 3 CIC snake oil scores and the ridiculous and bizarre calculations and explanations.