Path: utzoo!utgpu!news-server.csri.toronto.edu!rutgers!cs.utexas.edu!sdd.hp.com!wuarchive!zaphod.mps.ohio-state.edu!sol.ctr.columbia.edu!emory!rsiatl!jgd From: jgd@Dixie.Com (John G. DeArmond) Newsgroups: comp.org.eff.talk Subject: Re: Credit checks (was Re: TRW Credentials Service) Message-ID: <5700@rsiatl.Dixie.Com> Date: 8 Jan 91 07:32:37 GMT References: Distribution: comp.org.eff.talk Organization: Rapid Deployment Systems (making go-fast things and things that-go fast) Lines: 26 dupuy@cs.columbia.edu (Alexander Dupuy) writes: >If you want to see your >credit statement, just apply for credit which you know you will be refused >(underreport your income if necessary) - when you are turned down, you will be >entitled (in most states) to a copy of any credit reports which were used in >the credit evaluation. This usually includes TRW, and may include others as >well. This is terrible advice. In most states, the fact that you were denied credit will also show up on your record. In effect, you've just nuked yourself. Plus if you mis-report your income, you've probably broken the law. The proper way to do this is simply walk into any credit bureau and pay the $10 to $15 dollars required to obtain the report. Be aware that this report (as with the report provided after you are denied credit) will only represent the data contained in whichever database the credit bureau subscribes to. For competative reasons, there is little data exchange among database companies so you gotta check 'em all. John -- John De Armond, WD4OQC | "Purveyors of speed to the Trade" (tm) Rapid Deployment System, Inc. | Home of the Nidgets (tm) Marietta, Ga | "To be engaged in opposing wrong offers but {emory,uunet}!rsiatl!jgd | a slender guarantee of being right."