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free critiques and reviews › Credit Bureaus New Deception to Get Information

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I turned off my pop-up blocker but I can’t hide from those protectors of “private” information, the credit bureau, Trans-Union to be more accurate. FREE CREDIT REPORT IN MINUTES, reads the header, so I go sure, it has been a while since I checked to see if my score had shot up any from its recent high of 390. Your “score” if you have been living in a cave on Toro Bora, is that number creditors use to determine your credit worthiness, and others, such as landlords and employers use for various other nefarious reasons to say NO! decide how much you will pay for your home mortage interest, or whether you get that highly secret and sensitive job at NASA, such as astronaut. (OK, you can  be a little crazy and still pay your bills, right?)I go there and fill out all this information t o prove who I am, and that’s all right, even though a stranger can look at the whole ball of wax for under ten bucks, if he says you are trying to establish credit ,that is. He may have just opened his business this morning but that’s a whole new story. I must give them MORE information or I can’t see the report.

So I hit the send button and immediately the form comes back-rejected-YOU HAVE INCLUDED THE WRONG EMPLOYER IN 1990. I thought everyone started with a new slate every seven years. Besides thats the same year my identity (duly reported-ignored for 17 years, so far)was blatently stolen by an acquaintance who confessed to two credit card frauds and furniture purchased at Levitz for $1500.(what poor taste on top of his thievery).  I’m the owner of the information they hold over my head, , shouldn’t I be allowed to at least look at it? I don’t even bother trying to correct it anymore. In fact, who cares? But for those of you who have also suffered the devouring and demeaning credit system, they own the candy story because they have the lobby in their collective pockets and are so sure of themselves, they arrogantly stuff credit reports with raw data(raw dirt) that can go back as many years as they want. This data, which they then sell to anyone willing enough to pay for, becomes FACTUAL, due to the impossibility of the consumer  trying to change the information. So you pay more, much more for your car, your home and insurance, and you hold down two jobs to pay for it because GM checked your credit and turned your job application down. Ask your neigbor or friend if they ever paid that $20. bill from a newpaper or other vendor and they paid even though they were sure the bill was unjust.  Most will say they settled rather than go through the hell of dealing with a creditor. Sure there are laws. What are you going to do if you feel the creditor is on the other side of the law?  They call at midnight. They call you a deadbeat. Call the cops? Call the government? They work for the credit bureaus and big business.  The guy that stole my identity? Nothing happened. He moved to Phoenixs and plays golf with the clubs purchased on a credit card with my name on it . Credit bureaus are complicit in the tax fraud that cost the taxpayers billions. A collection agency users two or three names to collecvt on the same debt. If they write it off, each takes a writeoff on the SAME bill, already written off by the first agency. They merely have to prove they treid their best to collect the debt  .