randolph@cognito.Eng.Sun.COM (Randolph Fritz) (03/22/91)
There is a federal law requiring that the company who turns you down for credit must give you a copy of the credit report. You can also request a correction if there are errors, and add your own version if the credit reporting company refuses to correct an error. Procedures for this are published every so often in *Consumer Reports*, and I suggest you check there -- putting things in writing and obeying time limits may be important. Also, check around in your local library -- they may have something on this. nd t ou ui R Press T __Randolph Fritz sun!cognito.eng!randolph || randolph@eng.sun.com ou ui Mountain View, California, North America, Earth nd t
luce@aurs01.UUCP (J. Luce) (03/22/91)
In article <10215@exodus.Eng.Sun.COM> randolph@cognito.Eng.Sun.COM (Randolph Fritz) writes:
-There is a federal law requiring that the company who turns you down
-for credit must give you a copy of the credit report. You can also
-request a correction if there are errors, and add your own version if
-the credit reporting company refuses to correct an error. Procedures
-for this are published every so often in *Consumer Reports*, and I
-suggest you check there -- putting things in writing and obeying time
-limits may be important.
-
-Also, check around in your local library -- they may have something on
-this.
-
- nd t
- ou ui
-R Press T __Randolph Fritz sun!cognito.eng!randolph || randolph@eng.sun.com
- ou ui Mountain View, California, North America, Earth
- nd t
I am well aware of this stuff, what *IRKS* me is that they or anyone
else with this so-called vested interest can access my data without
asking *AND* getting my permission. What you suggest is after-the-fact
stuff. I want to know if there is anything on the Federal Books against
the accessing of this credit info without written or at the very least
verbal OK to do so...del@fnx.UUCP (Dag Erik Lindberg) (03/28/91)
In article <10215@exodus.Eng.Sun.COM> randolph@cognito.Eng.Sun.COM (Randolph Fritz) writes: >There is a federal law requiring that the company who turns you down >for credit must give you a copy of the credit report. You can also >request a correction if there are errors, and add your own version if >the credit reporting company refuses to correct an error. Procedures >for this are published every so often in *Consumer Reports*, and I >suggest you check there -- putting things in writing and obeying time >limits may be important. I don't think this is germane(sp?) to the issue. The issue is with a man that was denied PREPAID service because of a bad credit report. Maybe he really DOES have bad credit. So what? Maybe the man screwed up and wasn't able to pay a few bills. He gets a bad credit rating. Now he can't buy insurance on his house, even if he pre-pays. His house burns down, with everything in it, and now the man is left with nothing. And probably a major outstanding debt, which combined with bad credit will certainly prevent him from buying a new house. And if landlords in NC also have a 'vested' interest in his credit rating (and who could argue they don't?) the man wouldn't even be able to rent a place. The guy ends up on the street, or begging for a couch from friends. IMHO this is serious misuse of credit information, and I'll make sure I *never* move to NC! -- del AKA Erik Lindberg uunet!pilchuck!fnx!del Who is John Galt?