eoghann.com - Latest Comments

Re: National Credit Relief Agency Scam

Eoghann — Fri, 25 Mar 2011 17:17:52 -0000

Did you actually read what I wrote? The scam is that they claim to have reviewed my Experian file and that I'm a "victim of unauthorized interest rate adjustments." It has nothing at all with their ability to find my name and address on a mailing list somewhere.

Re: National Credit Relief Agency Scam

Milkyd — Fri, 25 Mar 2011 15:19:12 -0000

Are you aware Eoghann that they don't NEED to "pull" your credit to "review" your information? Do you understand how it works? If so, please explain how they managed to get your information.

Re: National Credit Relief Agency Scam

Milkyd — Fri, 25 Mar 2011 15:14:21 -0000

Every single one of you nitwits claiming that it's a scam or too good to be true are part of the problem. You people want to run your debt up to the tens or hundreds of thousands and then act offended when it comes time to repay. Yeah, these companies are not exactly what capitalism was meant to represent, but then again, credit was never intended to be over extended. One of the comments states "you can do it yourself". What you are saying to people who have already managed to get themselves into a financial hole and borrow way beyond their means is to save thousands of dollars and then call their creditors to negotiate their debt. You are exactly the reason that will never work because you believe it is an option. Get real people. If you can't manage to make the payments, you are not going to manage to save thousands in order to pay it off in full. You are all gluttons and have zero financial acumen. If you are a mechanic, or an admin, or whatever else you do to make your living, do not act like you can take on negotiations with a big bank and get the result you are seeking. The fee you pays these people is for their time just like you pay your mechanic for his time to change your brakes. Can you do it? Yes. But why do you pay someone else? To make sure it's done properly.

Re: National Credit Relief Agency Scam

Berta — Thu, 24 Mar 2011 23:47:05 -0000

Thank you! Just got same type of official letter document in mail on March 24, 2011. Couldn't find it listed with Better Business Bureau. So then typed in company name and found your helpful input about the scam.

Re: National Credit Relief Agency Scam

smile4532 — Tue, 22 Mar 2011 22:42:21 -0000

As a loan underwriter for an averaged sized bank, I have seen 1st hand what a company like this will do to your credit. In my opinion it's just as bad or worse than a bankruptcy. What I saw was terrible - it actually did look worse than a bankruptcy. They "take" over your credit cards and simply don't pay them until the credit company is willing to do a settlement for a lesser amount than the balance (which in itself shows as a negative on your credit report because it is reported as a settlement). You send your money each month to them and then they distribute it. You could do all this by yourself if this is the route you want to take. Miss a couple of payments and call up the credit cards and try to start negotiating a settlement. You can avoid hefty fees from the companies like NCRA.

Re: 5 Steps To Enjoying Exercise

Sean — Tue, 22 Mar 2011 21:26:04 -0000

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Re: Stargate: Universe, Success or Failure?

Carpet Cleaning — Tue, 15 Mar 2011 07:22:05 -0000

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Re: Use Vinegar to Clean Your Microwave

Carpet Cleaning — Tue, 15 Mar 2011 07:01:13 -0000

I would obviously link to your site so people could read the full post if they wanted to. Thanks either way.

Re: National Credit Relief Agency Scam

Water Damage Ft Lauderdale — Tue, 15 Mar 2011 02:47:53 -0000

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Re: The Future is Ebooks

Eoghann — Fri, 11 Mar 2011 20:11:15 -0000

I think the reason there's so much debate is it's still difficult to take those per book figures and forecast per book money.

I tend to think that a $0.99 price point could bring in enough sales to eclipse paperback income, but that doesn't factor in publisher advances. And how price sensitive are consumers? What is the difference in sales between $0.99 and $2.99? But there are so many factors involved, its hard to come up with a conclusive answer.

The more I look at it though, the harder it is to justify the current publisher model.

Re: The Future is Ebooks

Bob Mayer — Fri, 11 Mar 2011 19:14:33 -0000

Thanks for listing my blog. Everyone is arguing but numbers aren't something that one can argue against. With my traditional publisher, a $5.99 paperback nets me .47. With my own publishing, a .99 lead nets me .34. With the $2.99 follows, I earn $2.09.

Re: People Don’t Want 3D Movies

jimdorey — Mon, 07 Mar 2011 07:10:24 -0000

Excellent 3DTV market thanks. 2011 is set to explode.

I see, you're not suckers. Congratulations on that. You probably have headphones with only one side working right? Good, good for you.

Re: People Don’t Want 3D Movies

Outstandingness — Mon, 07 Mar 2011 06:37:41 -0000

World is flat???! No, we're just not suckers!

How's that 3D tv market a year later?

Re: People Don’t Want 3D Movies

Outraged1 — Sun, 06 Mar 2011 20:53:35 -0000

I agree completely and here are about 3000 other people that feel as we do. They HATE 3D movies to the point where they're boycotting them. http://www.facebook.com/pag...

Re: Use Vinegar to Clean Your Microwave

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Re: Stargate: Universe, Success or Failure?

Carpet Cleaning Hollywood — Mon, 28 Feb 2011 02:08:27 -0000

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Re: National Credit Relief Agency Scam

guest — Fri, 18 Feb 2011 13:14:56 -0000

Mine came via my mother's house - she was so scared of the warning on the front, she mailed it to me in the UK! Craziness!

Re: National Credit Relief Agency Scam

Gadgetsof007 — Fri, 18 Feb 2011 11:13:58 -0000

So I have a question for you Mr.Eoghann, how did you make this out to be a scam if you never went through there program or even made a call,also would like to know why they are still in business if it is a scam, how come the FBI has not shut them down if it is what you say it is???
none of what you are saying makes any sense, why would the presednent make a speech on this program, or was he part of the scam or was he an actor. the link that was on the letter is what im talking about , could you help me understand?
I am at my end wits trying to keep the credit cards up to keep my score in the 700s for years, but when the economy went south and I had to take a pay cut, it made it hard to keep up, now it looks like i have to do a BK and really ruin my credit.. im really confused now.....

Re: People Don’t Want 3D Movies

Water Damage Hollywood — Tue, 01 Feb 2011 23:30:46 -0000

Very insightful and interesting article. Thanks for the post.

Re: Green Lantern's Oscar-Winning Ring-Bearers [Green Lantern] http://j.mp/5k1uWq › Eoghann Irving's Lifestream

Anne — Fri, 28 Jan 2011 02:11:28 -0000

I love Ryan Reynolds!

Re: Green Lantern's Oscar-Winning Ring-Bearers [Green Lantern] http://j.mp/5k1uWq › Eoghann Irving's Lifestream

Martin — Fri, 28 Jan 2011 02:10:24 -0000

Will go watch Green Lantern!

Re: Why You Won’t Lose Weight Exercising – Do the Math

Dieting Losing Weight — Thu, 27 Jan 2011 05:25:39 -0000

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Re: National Credit Relief Agency Scam

Oriental Rug Care Hollywood — Thu, 27 Jan 2011 02:30:41 -0000

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Re: National Credit Relief Agency Scam

Bellyup — Wed, 26 Jan 2011 16:39:13 -0000

I don't think you looked very hard... If you searched National Credit Relief Agency (the name at the bottom of your letter) It's #2 on yahoo's search engine and #3 on googles... wow... now that was tough to find...

Re: National Credit Relief Agency Scam

Lessnmlsstress — Wed, 26 Jan 2011 16:19:19 -0000

So if you didn't call how do you think you are educated enough on the process and what they are offering to be soliciting advice on the subject? You somehow think you understand what the company does by reading a very limited amount of information mailed by an independent 3rd party. If you're mad at piece of aggressive marketing then you should also be bashing many other companies for their marketing styles. Now it's correct that anyone can negotiate their own settlement and yes it will affect their credit score but the people who need help either don't know how, don't have the patients or the skills to negotiate their own terms. In 90% of the cases these people haven't made a monthly payment in 3 months. Would you agree that once your debts are paid off your credit score will begin to rise again? Would you agree that changing someone’s APR from 9% to 29% is a little outrageous? Would you agree that if you were given a 29% APR to begin with you never would have signed that agreement? Would you agree that paying $4 for every $1 you spend is absurd? Well that’s exactly what’s going on and the lawyers at World Law are only trying to help you pay for what you borrowed NOT a ridiculous amount of interest. If you are upset at the debt settlement industry you should be bashing the lawyers who handle the cases but instead you're bashing marketing firm and tarnishing their name for send out a piece of mail, and a perfectly leagal piece of mail at that. You assumed, and are leading others to believe, that your credit has been run and that’s how your information was obtained. You would be amazed at the amount of personal information that is obtainable to the public. I’m more upset at the people who go and run up $80k in credit card debt then file for BK, what makes you think you can borrow money and not return it? Especially when you knew you didn’t have the money to pay it back in the first place??? Same goes with all the people who went and bought a home on a Neg Am loan for $500k when they could barely afford one for $200k, but I guess it's always someone elses fault and never the person in the mirror. I understand not everyone is in this position and I commend you (& others) Mr. Eoghann if you aren’t one of these people and if at the end of every month you have more than $30 in your bank account but unfortunately there are many people who have put themselves in a terrible situation and have no idea how to get out of it. Yes it costs money to hire a lawyer... of course I’m on someone’s’ payroll, I don't know if you work for free but I sure as hell don't... but I also don’t rape people with fees…
Thank you!