jet@karazm.math.uh.edu (J. Eric Townsend) (12/03/90)
In article <1990Dec2.201133.16224@eff.org> mkapor@eff.org (Mitch Kapor) writes: > A word of warning about the TRW Credentials service. In my opinion it's >really a device for TRW to get you to voluntarily enahnce the quality of >their database. It works like this. You sign for about $35 a year and you get >to see what they have on you and who's asking for it. Leaving aside the >propriety of making you pay to see information about yourself, what happens >after you sign up is that they want you to fill out an incredibly detailed >questionnaire about yourself, your expenditures, income, and lifestyle. They Aha! I tricked them. First, I signed up for the "trial one month subscription". As soon as I got my "status report" showing all sorts of great stuff about me (like the fact that I've taken out three times as many loans as I really have, and that I've paid them all back in full), I sent of a letter saying "I don't want to answer your silly questions, please cancel my service." Oh well, it was funnier when it happened, I guess... -- J. Eric Townsend Internet: jet@uh.edu Bitnet: jet@UHOU Systems Mangler - UH Dept. of Mathemagics - (713) 749-2120 Skate (UNIX || AmigaDos) "This meme's for you..."
john@qip.UUCP (John Moore) (12/04/90)
In article <1990Dec3.063827.20677@lavaca.uh.edu> jet@karazm.math.uh.edu (J. Eric Townsend) writes:
]
]Aha! I tricked them.
]
]First, I signed up for the "trial one month subscription". As soon as
]I got my "status report" showing all sorts of great stuff about me (like
]the fact that I've taken out three times as many loans as I really have,
]and that I've paid them all back in full), I sent of a letter saying
]"I don't want to answer your silly questions, please cancel my service."
And they probably quietly put a few phony bad credit references in your file
when they got your letter.
--
John Moore HAM:NJ7E/CAP:T-Bird 381 {ames!ncar!noao!asuvax,mcdphx}!anasaz!john
USnail: 7525 Clearwater Pkwy, Scottsdale,AZ 85253 anasaz!john@asuvax.eas.asu.edu
Voice: (602) 951-9326 Wishful Thinking: Long palladium, Short Petroleum
Opinion: Support ALL of the bill of rights, INCLUDING the 2nd amendment!
Disclaimer: The opinions expressed here are all my fault, and no one elses.koch@motcid.UUCP (Clifton Koch) (12/05/90)
->> A word of warning about the TRW Credentials service. In my opinion it's ->>really a device for TRW to get you to voluntarily enahnce the quality of ->>their database. It works like this. You sign for about $35 a year and you get ->>to see what they have on you and who's asking for it. Leaving aside the ->>propriety of making you pay to see information about yourself, what happens ->>after you sign up is that they want you to fill out an incredibly detailed ->>questionnaire about yourself, your expenditures, income, and lifestyle. They -> -> Aha! I tricked them. -> -> First, I signed up for the "trial one month subscription". As soon as -> I got my "status report" showing all sorts of great stuff about me (like -> the fact that I've taken out three times as many loans as I really have, -> and that I've paid them all back in full), I sent of a letter saying -> "I don't want to answer your silly questions, please cancel my service." Correct me if I'm wrong (and I'm sure someone will :-), but I believe that credit bureaus are required by federal law to give you a copy of your credit report if someone has requested it within the previous 60 days. I've done this in the past, and have noticed a number of errors in the report. None of them were bad, so I didn't try to correct them. I'm not sure if the report I received is as complete as if you sign up for their 'service', though. Cliff Koch ... [uunet | mcdchg | gatech]!motcid!koch -- ----------------------------------------------------------------------------- ... [uunet | mcdchg | gatech | att]!motcid!koch
clouds@ccwf.cc.utexas.edu (Kathy Strong) (12/05/90)
In article <5601@navy22.UUCP> koch@motcid.UUCP (Clifton Koch) writes: >... > Correct me if I'm wrong (and I'm sure someone will :-), but I believe >that credit bureaus are required by federal law to give you a copy of your >credit report if someone has requested it within the previous 60 days. I've I believe they're required to give you a copy only if your application for credit was denied. -- ........................................................................... : Kathy Strong : "Try our Hubble-Rita: just one shot, : : (Clouds moving slowly) : and everything's blurry" : : clouds@ccwf.cc.utexas.edu : --El Arroyo : :..........................................................................:
cosell@bbn.com (Bernie Cosell) (12/06/90)
clouds@ccwf.cc.utexas.edu (Kathy Strong) writes: }In article <5601@navy22.UUCP> koch@motcid.UUCP (Clifton Koch) writes: }>... }> Correct me if I'm wrong (and I'm sure someone will :-), but I believe }>that credit bureaus are required by federal law to give you a copy of your }>credit report if someone has requested it within the previous 60 days. I've }I believe they're required to give you a copy only if your application }for credit was denied. I though it was even more limited than that: only if your application for credit was denied because of information in the credit report. /B\