Disclosure of Credit Information

[mwilliams]

What is the name of your state? Washigton

I signed a form to allow a landlord to receive a credit report on me. I am working with a relocation specialist and the landlord called the relocation specialist and informed her that I had "iffy" credit, but would rent to me anyway. The problem being, until this point, the landlord and relocation specialist had not been working together, I had been working directly with the landlord. There is absolutely no professional relationship between the landlord and the relocation specialist. Can the landlord disclose such information to a third party that does not have permission to see my credit information?

[stevek3]

Originally Posted by mwilliams

What is the name of your state? Washigton

I signed a form to allow a landlord to receive a credit report on me. I am working with a relocation specialist and the landlord called the relocation specialist and informed her that I had "iffy" credit, but would rent to me anyway. The problem being, until this point, the landlord and relocation specialist had not been working together, I had been working directly with the landlord. There is absolutely no professional relationship between the landlord and the relocation specialist. Can the landlord disclose such information to a third party that does not have permission to see my credit information?

There are the types of posts that absolutely baffle me. First, you didn't provide nearly enough information to answer your question. Much more importantly, how can a "relocation specialist" YOU hired possibly do his or her job without knowing you have an "iffy" credit history? Furthermore, how did the landlord even know to contact your "relocation specialist" if you did not provide the landlord with that information in the first place?

Bottom line, unless the landlord is also discussing your credit with the neighborhood gas station attendant, WHO CARES?

[mwilliams]

To begin with, the relocation specialist was not hired by ME, but provided by the company that relocated me. Secondly, a relocation specialist has a function of providing housing possibilities based on the criteria I provide (credit is not even close to her job function).

If you are going to chastise posters, I suggest you at least attempt to understand things first. It would also help if you did not contradict yourself by saying there is not enough information, but then passing ignorant, uneducated judgment on the topic.

As for not nearly enough information, the entire situation is easy to see:

Can a "User" (as defined by the FCRA) disclose any information from or about your credit file to any other party?

And as for who cares, obviously I care or I would nat have posted in the first place!

[stevek3]

Originally Posted by mwilliams

To begin with, the relocation specialist was not hired by ME, but provided by the company that relocated me. Secondly, a relocation specialist has a function of providing housing possibilities based on the criteria I provide (credit is not even close to her job function).

If you are going to chastise posters, I suggest you at least attempt to understand things first. It would also help if you did not contradict yourself by saying there is not enough information, but then passing ignorant, uneducated judgment on the topic.

As for not nearly enough information, the entire situation is easy to see:

Can a "User" (as defined by the FCRA) disclose any information from or about your credit file to any other party?

And as for who cares, obviously I care or I would nat have posted in the first place!

You still haven't answered the question: Why do you give a crap if a relocation specialist directly involved in attempting to relocate you has since been informed you have "iffy" credit? Hell, you yourself should have already made a point to tell the relocation specialist this important fact even before the landlord informed the relocation specialist. Forget the FCRA. Start analyzing fundamental common sense.

[mwilliams]

Originally Posted by stevek3

You still haven't answered the question: Why do you give a crap if a relocation specialist directly involved in attempting to relocate you has since been informed you have "iffy" credit? Hell, you yourself should have already made a point to tell the relocation specialist this important fact even before the landlord informed the relocation specialist. Forget the FCRA. Start analyzing fundamental common sense.

Well, I do not have to say why I care, simply that I do care. I will just pass on your response and wait for an intelligent one.

[stevek3]

Originally Posted by mwilliams

Well, I do not have to say why I care, simply that I do care. I will just pass on your response and wait for an intelligent one.

O.K., then I'll tell you why: It's because you're the classic Poster Boy for litigious America. Even though it's to your very own benefit for the relocation specialist to know you have "iffy" credit before sending you to fill out a rental application at the Taj Mahal, you're too busy looking over your shoulder and you're too busy looking for somebody to sue over something to use your brain cells and/or give a damn. If you're lucky, maybe the landlord will cause the relocation specialist to spill an ice-cold Häagen-Dazs vanilla shake in your lap, too.

[mwilliams]

Originally Posted by stevek3

O.K., then I'll tell you why: It's because you're the classic Poster Boy for litigious America. Even though it's to your very own benefit for the relocation specialist to know you have "iffy" credit before sending you to fill out a rental application at the Taj Mahal, you're too busy looking over your shoulder and you're too busy looking for somebody to sue over something to use your brain cells and/or give a damn. If you're lucky, maybe the landlord will cause the relocation specialist to spill an ice-cold Häagen-Dazs vanilla shake in your lap, too.

Once again, you very well demonstrate that you are a complete moron! Not one time was litigation mentioned. I do not have nor have I had any intention to sue anyone. Had I intended to sue anyone, I would be on the phone with an attorney, not posting on an internet BBS. I just want to know what rights I am afforded. The problem with people like you is that you have no appreciation or understanding of gaining knowledge for the sake of knowledge. There are actually people in this world that enjoy learning things they do not know. And since I have been unable to locate such information in the thousands of pages available to me, I thought I would ask the question.

Had I known that small-minded individuals, such as you, were responding, I would never have spent the energy posting. You have to continually show your own ignorance by belittling those you do not understand.

[stevek3]

Originally Posted by mwilliams

Once again, you very well demonstrate that you are a complete moron! Not one time was litigation mentioned. I do not have nor have I had any intention to sue anyone. Had I intended to sue anyone, I would be on the phone with an attorney, not posting on an internet BBS. I just want to know what rights I am afforded. The problem with people like you is that you have no appreciation or understanding of gaining knowledge for the sake of knowledge. There are actually people in this world that enjoy learning things they do not know. And since I have been unable to locate such information in the thousands of pages available to me, I thought I would ask the question.

Had I known that small-minded individuals, such as you, were responding, I would never have spent the energy posting. You have to continually show your own ignorance by belittling those you do not understand.

O.K., Curious George. You are merely "inquisitive." Merely absorbing knowledge for the sake of knowledge. You seek only guidance and inner wisdom. Indeed, perhaps I erred, and your landlord and relocation guy may instead choose to spill an ice-cold Dairy Queen Blizzard in your lap.