Path: utzoo!utgpu!news-server.csri.toronto.edu!cs.utexas.edu!uunet!motcid!koch
From: koch@motcid.UUCP (Clifton Koch)
Newsgroups: comp.org.eff.talk
Subject: Re: beat TRW (was Re: NOVA: we know where you live
Message-ID: <5601@navy22.UUCP>
Date: 4 Dec 90 19:25:25 GMT
References: <1990Dec3.063827.20677@lavaca.uh.edu>
Organization: Motorola Inc., Cellular Infrastructure Div., Arlington Heights, IL
Lines: 30

->> A word of warning about the TRW Credentials service.  In my opinion it's
->>really a device for TRW to get you to voluntarily enahnce the quality of
->>their database. It works like this. You sign for about $35 a year and you get
->>to see what they have on you and who's asking for it.  Leaving aside the
->>propriety of making you pay to see information about yourself, what happens
->>after you sign up is that they want you to fill out an incredibly detailed
->>questionnaire about yourself, your expenditures, income, and lifestyle.  They
-> 
-> Aha!  I tricked them.
-> 
-> First, I signed up for the "trial one month subscription".  As soon as
-> I got my "status report" showing all sorts of great stuff about me (like
-> the fact that I've taken out three times as many loans as I really have,
-> and that I've paid them all back in full), I sent of a letter saying
-> "I don't want to answer your silly questions, please cancel my service."

  Correct me if I'm wrong (and I'm sure someone will :-), but I believe
that credit bureaus are required by federal law to give you a copy of your
credit report if someone has requested it within the previous 60 days.  I've
done this in the past, and have noticed a number of errors in the report.
None of them were bad, so I didn't try to correct them.  I'm not sure if
the report I received is as complete as if you sign up for their 'service',
though.

Cliff Koch
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