begin quoting Tracy R Reed as of Sun, Mar 25, 2007 at 09:32:04PM -0700: > Lan Barnes wrote: > > Ever check your credit report? Ever try to get something false off it? > > Yes and yes. Just last month in fact.
Likewise, yes and yes, although it's been a lot longer since I contested anything. Some things are easy to change, some hard, and some virtually impossible. > > They are unaccountable and they act like it. > > I thought the rules of accountability were fairly reasonable. If you can > prove it is false it usually isn't a problem getting it off. Um.... I don't think we're talking about the same sort of accountability. The Credit Bureaus are not accountable for much of anything -- if they have bad data, it's no skin off of their nose. Sure, getting stuff changed isn't hard if you're lucky, but if you're not lucky, it's serious money to the lawyers to change things. > It is in > their interest to have accurate credit reports. They gain nothing by > reporting incorrect information on you. That's back-to-front; they *lose* nothing by reporting incorrect information on you -- they've cleverly made it your responsibility to ensure that /their/ database is correct. They gain by not having to spend resources to ensure correctness. -- That it could be better is not to say that it couldn't be worse. Stewart Stremler -- [email protected] http://www.kernel-panic.org/cgi-bin/mailman/listinfo/kplug-list
