CAIVRS

UPDATE:  DECEMBER 2022.  CAIVRS IS STILL BROKEN

I wrote this blog initially in June 2021.  In December 2022 I got some emails from Federal Student Aid telling me I didn’t have to pay back my loan.  I immediately logged into my FISA account which I made in June 2021 to repair the mess I wrote about below.  Remember, there is no way to check a CAIVRS report. 

There didn’t seem to be a loan however my permanent address had been changed to:

311 EXPORTING ST UNIT 2,AURORA, IN 470011339,UNITED STATES

I think I caught some more chicanery just before it started.  

Update 24 April 2023:  I got an email from the Student Loan Forgiveness program telling me my account was delinquent since Pre-Covid.  I STILL CAN’T CREATE AN ACCOUNT because my address is still the one listed above.  The name and date of birth are still wrong.  I confirmed that there are no loans in my name and no balance but these clowns are incapable of repairing the name and address associated with the previous fake loan using my SSN.

Read on for the original story.

I bet you never heard of Credit Alert Interactive Verification Reporting System (CAIVRS) before.CAIVRS was established by the Housing and Urban Development (HUD) agency in June of 1987.  It is a database of Social Security Numbers that are in default regarding federal loans such as Student Loans, Small Business Loans, VA Loans, etc.

The following agencies report to CAIVRS:

• Department of Agriculture
• Department of Education
• Department of Veterans Affairs
• Small Business Administration
• Department of Justice

If you default on a loan or credit card it goes to your credit report which is accessible to you.  However, if you default on a Federal Student Loan it is not reported to your credit file.  It is only reported to CAIVRS.

YOU WILL NEVER KNOW YOU WERE A VICTIM OF IDENTITY THEFT UNLESS YOU APPLY FOR FEDERAL MONEY.

I just applied for a VA loan for a new home and was notified by my lender that I was delinquent on a Federal Student Loan and that I could not get my VA loan until this issue was cleared up.  I immediately knew this was inaccurate because I HAVE NEVER HAD A STUDENT LOAN.

Then I called the Department of Education Student Loan Debt Resolution ……………… let that sink in a moment.   This problem is so huge apparently that they have their own departmental offices.

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Samsung washer playing dead

Hear a noise from your washing machine?  Call a repairman and you’ll pay them $100 just to ring your doorbell.  They’ll charge you double for parts and charge you labor as well.

A lot of new washers (or dryers) cost in the $400 and up range so you’ve hit the price point where you just are prepared to buy another one.  Ever wonder why Appliance guys are happy to haul your old stuff away for free?  They know there really isn’t much wrong with it.  They can fix it and resell it, probably to someone looking for a new washer because theirs is broke.

I am NOT knocking appliance repair people.  That’s just how it is.  That has been the system for years.   But the new system is FIX IT YOURSELF.  Everything that has ever broken has a YouTube video attached to it.

But now a lot of manufacturers are responding to that by not selling spare parts and not publishing manuals.  That’s wrong, and many states are enacting legislation to stop them from doing such things.  The premise is, that once I buy it, it is mine and I can fix it, destroy it, paint pink unicorns on it…….IF I WANT TO.  And they can’t, or rather shouldn’t be able to stop that.

So my girlfriend has a Samsung washing machine and it started sounding like a tire mechanic was laying down on an impact wrench when the spin cycle started.  A real ratcheting sound.

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I’ll keep this one short and simple.   Go to antennaweb.org

Type in your address.  Results will come in a table and then a map.  Here is the table.

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HDHomerun Quatro

For years I had a SiliconDust HDHomerun Connect Duo HDHR4-2US.  The HDHomerun devices are network TV Tuners that can turn any device on the network into a television.

In short you can install an antenna, hook it to the HDHomerun, then plug in the ethernet cord to your home router or switch.

Rather than run wires all through the house you can then watch on just about any smart TV device (Firestick, Kodi on Raspberry Pi, or Roku, but only on Apple TV with 3rd party media servers).  Or you can watch on your iPhone, Android, or Tablet.

In short, it is an amazing device that any cord cutter should have.  Yep you can install an antenna directly to your TV without a $100 box in the middle but then that TV is the only place you can see it.  A network tuner really expands your ability to connect. Not only that but I can VPN into my network and watch local TV from ANYWHERE.  It isn’t something I do a lot but every once in a while I might want to see the weather or local news.

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Mohu 60 Antenna

I am a cord cutter.  In fact, since returning to the US in 2015 I never once bought cable.

Having previously lived in Japan I used the Armed Forces Network (AFN) satellite and had Netflix and Hulu.

So when I came back I stuck an antenna (Mohu 60) in the attic and got internet in the house and called it good.  After much fumbling around pointing the antenna and purchasing a high gain preamplifier  I was able to get ABC, NBC, CBS, Fox, and PBS at my location.

When I go camping I watch Over The Air (OTA) television too. Usually internet connections are not that reliable at the campground and I don’t want to use all my hotspot data on Netflix or whatever.  I’m perfectly content to watch broadcast TV when I’m just sitting around between adventures or if it is raining or something.  Besides, I’m a MeTV mark.  I love watching all those old shows from my youth.

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One of my neighbors sat out a washing machine that looked pretty doggone viable for the Friday “Big Trash” city pickup.   I got a hold of him and asked what was wrong with it and if he minded if I took it.   Before I get into this story I did tell him that if it was a simple fix I’d give it back to him and after I fixed it I did indeed offer it back to him.  He declined, and stated he had already replaced it and of course he had set it out to dispose of.

I just don’t want anyone to think I would take advantage of a neighbor.

Anyway it was a General Electric WDSR2080D5WW.  The serial number indicates that it was made in September of 2005.

GE Washing Machine

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Once upon a time I weighed in at over 300 lbs.  How much over, I don’t know because your average scale doesn’t go over 300 lbs.  I went to the doctor and he told me I’d never make it to 40.  That may have been the one time in my life that someone said something and it actually made me take serious notice.  He wrote me a prescription for all kind of stuff.  I declined to fill the prescriptions and stated I knew what the problem was.  I was too damn fat.  So he tells me he wants to see me back in 45 days.

It’s at this point I decide to change things.  I was sent TAD to Pax River Maryland when I did my first treadmill exercise.  I didn’t even own any exercise equipment.  I ran the treadmill in boxers and black socks, no shoes. I must have been quite a sight.  I ran a mile and I wished it would have killed me.  By the end of the trip I was running my miles daily and kinda digging it.

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Well it happened.  The Shit Hit The Fan.  How’d you make out?

Here is the best gear to help you through the next one.

Best Wristwatch.  I have a LOT of watches.  This is NOT my favorite watch but it is my favorite SHTF watch.  Casio Rangeman GW9400-1.

This watch is a military favorite.  It has a solar battery that lasts forever and has Multi-Band 6 which syncs with Long Wave Radio stations to keep time with the Atomic Clock.

There are 6 locations worldwide, hence the name Multi-Band 6.

This watch is double tough, legible and can take a beating.

More gear:

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