Stewart Stremler wrote:
begin quoting Tracy R Reed as of Sun, Mar 25, 2007 at 09:32:04PM -0700:
Lan Barnes wrote:
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.
$45/month for just a few months got most mistakes (and most negative
*non*-mistakes) wiped off my reports.
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.
Until laws forced them into this, they were "cleverly" not even lifting
a finger. Your "responsibility"? Nay, your "shit out of luck".
They gain by not having to spend resources to ensure correctness.
Even moreso before laws of reform came about.
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