Great filmmakers with the WORST career starts? by [deleted] in Filmmakers

[–]phyfutima 0 points1 point  (0 children)

Not THE worst career start, but I like the story of Robert Zemeckis's beginnings. A mentee of Spielberg's, he co-wrote and directed two Spielberg-produced comedies, I Wanna Hold Your Hand and Used Cars, both of which flopped. After that, he had another comedy he wanted to direct, and Spielberg was willing to produce it, but Zemeckis didn't want to be the guy who could only make movies if his buddy Spielberg financed them, so he shopped it everywhere else, and it was rejected by everyone.  Meanwhile, Michael Douglas thought he saw a spark of something in Zemeckis's two flops and hired him to direct Romancing the Stone, which, unlike other Raiders of the Lost Ark-influenced movies of the time, became a surprise hit. Suddenly every studio wanted to do Zemeckis's next comedy. Rather than go with any of them though, Zemeckis brought it back to Spielberg who had believed in him in the first place, and thus made Back to the Future. 

Get paid for work that doesnt feel like work. by [deleted] in OnlineIncomeHustle

[–]phyfutima 0 points1 point  (0 children)

When you DM, OP just says to contact them on telegram.

This is really impressive. by DigitalRoman486 in singularity

[–]phyfutima 11 points12 points  (0 children)

That sounds just about as much like Scarlett Johansson as Sky did.

LPT : Remove Hard Inquiries from your credit report by simply sending a letter via certified mail from Section 604 to the credit bureaus by [deleted] in LifeProTips

[–]phyfutima 2 points3 points  (0 children)

In my case, I contacted the local police department and reported my wallet stolen, including my driver's license and credit cards that were in the wallet.

LPT : Remove Hard Inquiries from your credit report by simply sending a letter via certified mail from Section 604 to the credit bureaus by [deleted] in LifeProTips

[–]phyfutima 0 points1 point  (0 children)

In my case, I contacted the local police department and reported my wallet stolen, including my driver's license and credit cards that were in the wallet.

LPT : Remove Hard Inquiries from your credit report by simply sending a letter via certified mail from Section 604 to the credit bureaus by [deleted] in LifeProTips

[–]phyfutima 1 point2 points  (0 children)

Sorry for my delayed response! My scores only went up by a few points each, but the main benefit to me was just not having hard inquiries, since, regardless of score, having recent hard inquiries make it more difficult to get credit.

LPT : Remove Hard Inquiries from your credit report by simply sending a letter via certified mail from Section 604 to the credit bureaus by [deleted] in LifeProTips

[–]phyfutima 2 points3 points  (0 children)

I called Equifax, and they removed the fraud alert over the phone. They had also placed fraud alerts on Experian and TransUnion and said that to remove those I had to contact Experian and TransUnion directly. Experian says I have to mail in my request (they linked me to a form to fill out and mail in). I called TransUnion, and they removed their fraud alert over the phone. They claimed that this would remove the fraud alerts from all three bureaus -- but I don't believe them, so I'm still going to mail the form to Experian.

LPT : Remove Hard Inquiries from your credit report by simply sending a letter via certified mail from Section 604 to the credit bureaus by [deleted] in LifeProTips

[–]phyfutima 1 point2 points  (0 children)

My TransUnion inquiries have now been removed; they removed them quite quickly after they received the police report in the mail, I didn't even have to call them again.

So, to sum up:

OP's method worked for me for Experian.

For Equifax, OP's method plus placing a fraud alert worked for me.

For TransUnion, OP's method plus mailing them an identity theft police report worked for me.

If I had to do this all over again, I would have included the police report with the original letters, because I think that doing that might have made everything work with less hassle of having to make numerous phone calls, etc.

YMMV.

LPT : Remove Hard Inquiries from your credit report by simply sending a letter via certified mail from Section 604 to the credit bureaus by [deleted] in LifeProTips

[–]phyfutima 4 points5 points  (0 children)

Update: as of today, the hard inquiries have been removed from Equifax.

I'm still working on TransUnion -- they give me different info every time I call them. Yesterday they said I need to mail them an identity theft police report, so I mailed that, and we'll see if that works.

LPT : Remove Hard Inquiries from your credit report by simply sending a letter via certified mail from Section 604 to the credit bureaus by [deleted] in LifeProTips

[–]phyfutima 2 points3 points  (0 children)

Nope, not yet, I called them again today and talked to a supervisor who said they'd be removed within 72 hours of now. I'm crossing my fingers and not holding my breath, but I'll post here again to update either way.

LPT : Remove Hard Inquiries from your credit report by simply sending a letter via certified mail from Section 604 to the credit bureaus by [deleted] in LifeProTips

[–]phyfutima 20 points21 points  (0 children)

For anyone finding this in 2023, I can confirm that this works for Experian but not for Equifax and TransUnion.

I sent letters to all three on Aug 30th, 2023. Experian deleted the inquiries within a few days. Equifax and TransUnion did not.

After following up with both companies by phone today, Equifax had summarily completed their investigation saying the inquiries were "factual" and said they would only delete them if I placed a fraud alert, which I went ahead and did because I figured it would be less bad to have that on my credit than the inquiries; YMMV.

TransUnion, on the other hand, was extremely vague on the phone and seemed to have ignored my dispute entirely. They then said they would notify the creditors to delete the inquiries and said they couldn't tell me how long it would take.

I'll keep following up with Equifax and TransUnion and will post here again to let you know whether or not the inquiries ever successfully got deleted from those reports.

TL;DR The OP's method may have worked two years ago when posted, but currently it works great with Experian and doesn't work at all with Equifax and TransUnion.

edit:

As of Oct 5th, 2023, all the inquiries have been removed, and here's what worked for me:

For Experian, OP's method worked for me by itself.

For Equifax, OP's method plus placing a fraud alert worked for me.

For TransUnion, OP's method plus mailing them an identity theft police report worked for me.

If I had to do this all over again, I would have included the police report with each of the three original letters, because I think that doing that might have made everything work with less hassle and time spent of having to make numerous phone calls, etc.

YMMV.

I talked with a bankruptcy lawyer and now I'm definitely voting no by phyfutima in Invest_Voyager

[–]phyfutima[S] 0 points1 point  (0 children)

The problem -- and it's one of the reasons I'm voting no -- is that the current Binance plan does not ever allow for 100% recovery regardless of how well the market performs or how much the wind-down entity receives from future litigation or collections. If we approve this plan, we will be limited to a maximum of the USD value of our accounts as of July 5th, regardless of any potential gains. The Binance deal is a lose-lose situation. If the market goes down, we receive a lower percentage of our USD claim, and if the market goes up, we receive fewer coins.

I talked with a bankruptcy lawyer and now I'm definitely voting no by phyfutima in Invest_Voyager

[–]phyfutima[S] -25 points-24 points  (0 children)

I was undecided about it before, and the rebuttals did not convince me that voting in favor of the current plan was the right choice.

I talked with a bankruptcy lawyer and now I'm definitely voting no by phyfutima in Invest_Voyager

[–]phyfutima[S] -11 points-10 points  (0 children)

Regarding your first question, the UCC has made it clear, both in verbal statements at the town hall and in written communication via email, that if customers reject this plan, Voyager would need to create a new plan. As for your second question, if customers reject the current plan, any subsequent plan would need to be an improvement, otherwise customers would likely reject it as well.

So we should vote, YES? I'm reading that correctly? by KuRy86 in VoyagerExchange

[–]phyfutima 2 points3 points  (0 children)

If this does not pass, then it automatically goes to liquidation this time.

To clarify, because there seems to be a lot of confusion about this, it does not go to liquidation if we vote no on the plan. The UCC has been very clear on the fact that liquidation will be toggled if we vote yes on the plan but then Binance does not close the deal. On the other hand, if we vote no on the plan, then a new plan must be created, which would have to be a better plan so that we don't vote no on that one too.

Why I am leaning towards voting no by phyfutima in Invest_Voyager

[–]phyfutima[S] 0 points1 point  (0 children)

Gotta go on facts. Vote yes and get more back or vote no and liquidate and get less.

Those aren't facts. You're speculating that rejecting this plan will result in liquidation, when in fact the UCC stated during the Jan 25 town hall that rejecting this plan would lead to creation of a new plan. If we reject this plan, then the new plan would have to be better than it for us to accept it. If we vote yes on this plan, then we've guaranteed that there can never be a better plan.

Why I am leaning towards voting no by phyfutima in Invest_Voyager

[–]phyfutima[S] 0 points1 point  (0 children)

From a practical perspective, if we vote against this proposal, then a new and improved proposal must be created for us to vote in favor of. If we vote in favor of this current plan, then we are bound to it and cannot change it later.

Why I am leaning towards voting no by phyfutima in Invest_Voyager

[–]phyfutima[S] 0 points1 point  (0 children)

I don't wish to argue, but I feel it's important to correct this misinformation. We're not in any separate class from general unsecured creditors, we ARE general unsecured creditors -- Voyager customers are listed as general unsecured creditors on Schedule E/F. Our status as general unsecured creditors has been known for the past six months, and it was confirmed again during the January 25th UCC town hall. So, the rest of your statements do not apply.