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> Since the government refuses to provide a fake credit history, witnesses also struggle to secure products and services when companies demand financial informa

> Since the government refuses to provide a fake credit history, witnesses also struggle to secure products and services when companies demand financial information. Uh, if an adversary has large scale access to credit history (how hard is that to obtain?), couldn't they mine the data for their target and find them?

peteretep 11y ago
I suspect it's a blanked credit history.
- rdl 11y ago
  Also they don't really need a credit history if they're given housing/car to start, and cash for secured accounts.
  - nommm-nommm 11y ago
    Credit history affects you in many non-credit ways.
    - grecy 11y ago
      I moved to North America, which means I had "no credit rating" which is the same as the worst possible. It was annoying for a couple of things - Had to put down a $1000 deposit to get a $1000 credit card - Had to put down a $400 deposit to get a cheap cell phone That's it. What else were you thinking it impacts?
      - icelancer 11y ago
        Insurance rates, home ownership (you are only provided an apartment under WITSEC), jobs often pull credit histories for background checks...
        grecy 11y ago
        > Insurance rates I never encountered that - if they were checking my credit, they never told me, and my rates were no different than friends with good credit. Is it legal for them to do that? >home ownership Obviously I wouldn't qualify for a mortgage right away, but that goes without saying when you have the worst credit rating possible. >jobs often pull credit histories for background checks Really? They can do that? Wow. If they did that to me, it apparently didn't hurt my chances, I've always been offered jobs I've applied for.
        acheron 11y ago
        Really? They can do that? Wow. If they did that to me, it apparently didn't hurt my chances, I've always been offered jobs I've applied for. You usually have to sign something when you apply giving them permission, so if you didn't do that then it probably didn't happen. Though in any case I doubt "no credit history" would be a bad sign for an employment offer; they're likely only looking for specifically negative events.
        nommm-nommm 11y ago
        The Fair Credit Reporting Act requires anyone who pulls credit history from you to get your permission first.
        grecy 11y ago
        >I doubt "no credit history" would be a bad sign I was told multiple times at the bank it was equivalent to the worst possible credit rating.
        acheron 11y ago
        For some types of credit, it could be. I had trouble getting a credit card with no credit history too. But potential employers aren't looking at it for that, they're just looking for specific negative things.
        nommm-nommm 11y ago
morgante 11y ago
> Uh, if an adversary has large scale access to credit history (how hard is that to obtain?), couldn't they mine the data for their target and find them? How? There are millions of Americans without a credit history.

peteretep 11y ago

I suspect it's a blanked credit history.

rdl 11y ago
Also they don't really need a credit history if they're given housing/car to start, and cash for secured accounts.
- nommm-nommm 11y ago
  Credit history affects you in many non-credit ways.
  - grecy 11y ago
    I moved to North America, which means I had "no credit rating" which is the same as the worst possible. It was annoying for a couple of things - Had to put down a $1000 deposit to get a $1000 credit card - Had to put down a $400 deposit to get a cheap cell phone That's it. What else were you thinking it impacts?
    - icelancer 11y ago
      Insurance rates, home ownership (you are only provided an apartment under WITSEC), jobs often pull credit histories for background checks...
      - grecy 11y ago
        > Insurance rates I never encountered that - if they were checking my credit, they never told me, and my rates were no different than friends with good credit. Is it legal for them to do that? >home ownership Obviously I wouldn't qualify for a mortgage right away, but that goes without saying when you have the worst credit rating possible. >jobs often pull credit histories for background checks Really? They can do that? Wow. If they did that to me, it apparently didn't hurt my chances, I've always been offered jobs I've applied for.
        acheron 11y ago
        Really? They can do that? Wow. If they did that to me, it apparently didn't hurt my chances, I've always been offered jobs I've applied for. You usually have to sign something when you apply giving them permission, so if you didn't do that then it probably didn't happen. Though in any case I doubt "no credit history" would be a bad sign for an employment offer; they're likely only looking for specifically negative events.
        nommm-nommm 11y ago
        The Fair Credit Reporting Act requires anyone who pulls credit history from you to get your permission first.
        grecy 11y ago
        >I doubt "no credit history" would be a bad sign I was told multiple times at the bank it was equivalent to the worst possible credit rating.
        acheron 11y ago
        For some types of credit, it could be. I had trouble getting a credit card with no credit history too. But potential employers aren't looking at it for that, they're just looking for specific negative things.
        nommm-nommm 11y ago

morgante 11y ago

> Uh, if an adversary has large scale access to credit history (how hard is that to obtain?), couldn't they mine the data for their target and find them? How? There are millions of Americans without a credit history.