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> Any one warehousing my data needs to tell me what, how, why. You already have all of this from CRAs: * They are required by law to tell you what they have r
by g051051 7y ago
> Any one warehousing my data needs to tell me what, how, why.
You already have all of this from CRAs:
* They are required by law to tell you what they have related to you every year, for free.
* These reports include the source of the information.
* The why is well known, as it's their business model.
Edit: not only that, but the law restricts who can actually request access to any of this data, under "permissible purpose".
- specialist 7y agoSorry for late response, I got confused but the thread depth. First, I have to ask. I'm advocating default opt-out. For everything. Second, they're always wrong and hard to correct. Been there, done that.
- g051051 7y ago> I'm advocating default opt-out. For everything. In this system, you'd never get credit. You'd apply for a loan or CC, they'd ask you for permission to check with a CRA and share your info, you'd say no, and they'd show you the door. > Second, they're always wrong and hard to correct. Been there, done that. No, they're not. Sometimes they're wrong, either because bad info was reported, or there's a problem at the CRA. Sometimes the errors are hard to correct. I've never had any bad information on my reports. That doesn't mean it doesn't happen, any more than you seeing something wrong on your report means they're "always wrong". It just means that no system is perfect.