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From: smb@ulysses.UUCP (Steven Bellovin)
Newsgroups: net.consumers
Subject: Re: TRW follies
Message-ID: <1030@ulysses.UUCP>
Date: Sat, 3-Aug-85 14:08:25 EDT
Article-I.D.: ulysses.1030
Posted: Sat Aug  3 14:08:25 1985
Date-Received: Sun, 4-Aug-85 05:32:18 EDT
References: <414@ttidcb.UUCP> <56100004@hpfclo.UUCP> <767@ptsfa.UUCP>
Organization: AT&T Bell Laboratories, Murray Hill
Lines: 18

There's some relevant information in today's (8/3) N.Y. Times:

	To check your credit rating, write to TRW (Box 271, Parsippany, NJ
	07054), CBI (708 Third Avenue, New York, NY  10017) or Trans Union
	Credit Information Company (95-25 Queens Boulevard, Rego Park, NY
	11374).  Include name, spouse's name, address, addresses for the past
	five years, social security number, year of birth, and a $10 money
	order.

	If there's inaccurate information included, the *Federal* Fair Credit
	Reporting Act requires that the *credit agency* [emphasis mine]
	contact the creditor, and make appropriate changes.  If the creditor
	does not agree that the information is wrong, you're allowed to insert
	a statement of your own, which must be included with future credit
	reports.

	Bankruptcies can remain in your file for 14 years; most other
	unfavorable information must be removed after 7 years.