tpl@hou2b.UUCP (T.LEE) (02/15/86)
These many "Sears" discussions prompt me a question of how to find out about my own credit report. Obviously, I am assuming that we consumers have the right to know that. Any simple means from the net? This might be useful to see what's being known about me by the "public" (well, need-to-know basis and with your SS#) and who wrote bad things about me - next-to-last landlord? T. Paul Lee ...!hou2b!tpl ATT BL - Holmdel
grampa@gitpyr.UUCP (Mark W Fouraker) (02/17/86)
In article <709@hou2b.UUCP> tpl@hou2b.UUCP (T.LEE) writes: >These many "Sears" discussions prompt me a question of how to find >out about my own credit report. Ask your personnel office for the number they call to check on new applicants. I did this in Atlanta and found out that it would cost me $7.50. That's a lot of gass so I didn't do it. Happy Trails, Mark -- "Never try to teach a pig to sing. It's a waste of time and annoys the pig." Mark W Fouraker Budget Office - 209 Knowles Building Georgia Institute of Technology, Atlanta Georgia, 30332 Office phone: (404) 894-5558 ...!{akgua,allegra,amd,hplabs,ihnp4,seismo,ut-ngp}!gatech!gitpyr!grampa
heneghan@ihlpf.UUCP (Heneghan) (02/17/86)
> These many "Sears" discussions prompt me a question of how to find > out about my own credit report. Obviously, I am assuming that > we consumers have the right to know that. Any simple means from the > net? This might be useful to see what's being known about me by the > "public" (well, need-to-know basis and with your SS#) and who wrote > bad things about me - next-to-last landlord? Buy a new car and the business agent gets an immediate readout of your life. Joe Heneghan
pdg@ihdev.UUCP (P. D. Guthrie) (02/17/86)
In article <709@hou2b.UUCP> tpl@hou2b.UUCP (T.LEE) writes: >These many "Sears" discussions prompt me a question of how to find >out about my own credit report. Obviously, I am assuming that >we consumers have the right to know that. Any simple means from the >net? This might be useful to see what's being known about me by the >"public" (well, need-to-know basis and with your SS#) and who wrote >bad things about me - next-to-last landlord? > T. Paul Lee > ...!hou2b!tpl > ATT BL - Holmdel Most local credit bureaus will tell you for a fee (about $40 at the one I used to work at) and some even do credit consulting to tell you how to ``erase'' bad credit. It may seem like a lot, but they have to pay a fortune to tap into TransAmerica credit data banks. One thing about this is that it mainly contains information about bad credit, and for instance a person who has spent their whole life paying cash for everything (yes those people exist) have no credit rating, although in theory, they are a very low credit risk. It is therefor good to have a couple of credit cards, and to take out a loan for something you may be able to afford right off, just to ``up'' your credit rating. -- Paul Guthrie `When the going gets weird, ihnp4!ihdev!pdg The weird turn pro' - H. Thompson
silber@batcomputer.TN.CORNELL.EDU (Jeffrey Silber) (02/20/86)
You can ask your local credit bureau to show you your record. They cannot
refuse, although they can charge you a fee. They are required to investigate
any items you contest and cannot publicize those items while being investigated.
Also, a way to see this is to be turned down for credit ... after that they
must show it to you for free.
I think that this is federal law, but I am definitely sure about New York.
--
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A million here, a million there ... they all add up.
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Jeffrey A. Silber silber@devvax.tn.cornell.edu
Business Manager JAS@CORNELLD
Center for Theory & Simulation {decvax,ihnp4,cmcl2,vax135}!cornell!devvax!silber
in Science & Engineering 265 Olin Hall
Cornell University Ithaca, NY 14853ark@alice.UucP (Andrew Koenig) (02/21/86)
> You can ask your local credit bureau to show you your record. They cannot > refuse, although they can charge you a fee. They are required to investigate > any items you contest and cannot publicize those items while being investigated. > Also, a way to see this is to be turned down for credit ... after that they > must show it to you for free. Two warnings: 1. If you ask to see a copy of your file, you will discover that the last item on it is probably "asked to see copy of file." How this affects institutions to whom you may subsequently apply for credit is anybody's guess, but I recall a newspaper story that mentioned a court case that decided that a landlord had the right to refuse to rent apartments to attorneys on the grounds that they would be more likely to cause trouble for him than tenants in other professions. 2. If you are turned down for credit and therefore ask for a freebie, you will find that the last two items will be "turned down for credit" and "asked to see copy of file." This, of course, is only a problem if they wouldn't have known you had been turned down otherwise. Of course, the only way to find out if they would have known is to avoid telling them and see if it's there anyway. But if you avoid telling them, you've got to pay to see the file.
elric@proper.UUCP (Elric of Imrryr) (03/11/86)
>> You can ask your local credit bureau to show you your record. They cannot >> refuse, although they can charge you a fee. They are required to investigate >> any items you contest and cannot publicize those items while being investigated. >> Also, a way to see this is to be turned down for credit ... after that they >> must show it to you for free. > >Two warnings: > > 1. If you ask to see a copy of your file, you will discover that > the last item on it is probably "asked to see copy of file." > How this affects institutions to whom you may subsequently > apply for credit is anybody's guess, but I recall a newspaper > I have dealt with CBI (nasty nasty people). They keep of list of every company that asks about your credit in your files & the dats they ask. I was turned down for credit because, 5 other companys had seen my report last month. I have also found that you can have $3000 in paid debt & good credit, and $145 in bad debts will cancell that out. Beware of CBI, they have a rep of not check if there facts are facts, it pays to keep an eye on them. /----------------------------------\ | Elric of Imrryr | | Lunatic Laboratories Unltd. | | ...ucbvax!dual!proper!elric | \----------------------------------/