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From: johne@hp-vcd.HP.COM (John Eaton)
Newsgroups: comp.org.eff.talk
Subject: Re: Re: Credit checks (was Re: TRW Credentials Service)
Message-ID: <6750002@hp-vcd.HP.COM>
Date: 10 Jan 91 22:21:04 GMT
References: <5700@rsiatl.Dixie.Com>
Organization: Hewlett Packard, Vancouver, WA
Lines: 20

>>>>
>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. 
----------
Apply for a Gold card and state that you earn $1000 a year. They won't even
bother running a credit check and will reject you based upon your application.
You are now  entitled to a copy of your application back.


BTW. Suppose a bank charges you a $25 fee to run a credit check for a mortage.
Can you force them to show you the report? It's hard to get free copies if you
never get turned down.



John Eaton
!hpvcfs1!johne