How to Make Credit Bureaus Delete ALL Files?

[Debt Guy]

daprez1963 and gulfbreeze are the same person and trying to pull the same crap.

I don't think so. Prez actually admitted a mistake -- Breeze would have eaten ground glass first.

okay, now i see the point. sorry, I was wrong.​

Of course, it could be a trick.
​

 

[TinkerBelleLuvr]

To the OP - a reason to actually have a good credit history would be your car insurance. The worse the number, the more you pay in car insurance.

 

[JustAPal00]

To the OP - a reason to actually have a good credit history would be your car insurance. The worse the number, the more you pay in car insurance.

And homeowners insurance, and when trying to get a job!

 

[ecmst12]

Also some jobs will check your credit and use it to make a hiring decision. Especially for financial type jobs. But even for other types of jobs, people with really bad credit are seen as more likely to try to steal or embezzle.

P.S. I thought the sentence was kind of awkward too, but the meaning was perfectly clear and I wasn't about to make a big deal over it.

 

[moburkes]

daprez1963 and gulfbreeze are the same person and trying to pull the same crap.

I don't think so. Prez actually admitted a mistake -- Breeze would have eaten ground glass first.

okay, now i see the point. sorry, I was wrong.​

Of course, it could be a trick.
​

You might be right, but the exact same day GB stopped posting, daprez1963 started posting, and they both live in Florida.

 

[mrgonzo]

Honestly my credit is pretty good right now; however the employer thing rubs me the wrong way, I don' t think they should have access to that. I am curious what if you put a freeze on your report and then a new employer tries to run it and cant; wonder what would happen?

Also, so basically is it something in the terms of lets say my cell phone or car insurance agreement that is allowing them to send my account history to the credit agencies? If thats the case then I simply need to opt out of the terms of these companies and the report should dissapear right?

 

[moburkes]

Honestly my credit is pretty good right now; however the employer thing rubs me the wrong way, I don' t think they should have access to that. I am curious what if you put a freeze on your report and then a new employer tries to run it and cant; wonder what would happen?

Also, so basically is it something in the terms of lets say my cell phone or car insurance agreement that is allowing them to send my account history to the credit agencies? If thats the case then I simply need to opt out of the terms of these companies and the report should dissapear right?

Nowadays, you are unlikely to be able to get a cell phone or insurance without giving the insurance company permission to access your credit report. Over 95% of insurance companies will pull your credit report. With cell phone companies, I think you are able to pay a deposit to avoid them pulling your credit. In either case, there is nothing under any law that requires any company that has previously reported to the credit bureau to delete any of your information, unless that information is inaccurate.

 

[mrgonzo]

Nowadays, you are unlikely to be able to get a cell phone or insurance without giving the insurance company permission to access your credit report.

Well, I'm not talking about them pulling it - I'm talking about them REPORTING. When you sign a contract for auto insurance or a visa, is something in the fine print, allowing them to report your private info to the bureaus?

If thats the case, then you just need to demand that they remove that privacy clause from the contract before you sign.

 

[Zigner]

If thats the case, then you just need to demand that they remove that privacy clause from the contract before you sign.

As I said to you before - it's better to give no advice than to give bad advice.

If you "demand" they remove that clause, they will refuse, then you can look elsewhere for insurance.

 

[moburkes]

Well, I'm not talking about them pulling it - I'm talking about them REPORTING. When you sign a contract for auto insurance or a visa, is something in the fine print, allowing them to report your private info to the bureaus?

If thats the case, then you just need to demand that they remove that privacy clause from the contract before you sign.

I don't know of an insurance company that reports your payments to the credit bureau. The only time I can think of is after you default and don't pay the balance.

In any case, no insurance company is going to treat you differently than they treat the rest of their clients. Its illegal, for one. For 2, they'd be stupid, because it would set a legal precedent. Don't buy insurance, just be self insured. Most states will accept that.

 

[mrgonzo]

As I said to you before - it's better to give no advice than to give bad advice.

If you "demand" they remove that clause, they will refuse, then you can look elsewhere for insurance.

I wasn't giving any advice - I was asking a question and posing a hypothetical possibility. I was asking a question.

Is there a clause in the contract allowing them to report your private account history to outside credit corporations?

 

[Zigner]

I wasn't giving any advice - I was asking a question and posing a hypothetical possibility. I was asking a question.

You're right - my mistake.
In that case - sure, you can "demand" they remove that clause...and they can refuse.

 

[mrgonzo]

You're right - my mistake.
In that case - sure, you can "demand" they remove that clause...and they can refuse.

It sounds like you think the clause exists - so lets assume that it does; then we have the key to my initial question of aren't credit bureaus invading your private info - and the answer would be NO, because were signing our rights away in these contracts!

So if thats the case - perhaps educating enough people could result in a boycott. The clause could be removed in exchange for a large deposit or such, so that you could still do business.

 

[Zigner]

It sounds like you think the clause exists - so lets assume that it does; then we have the key to my initial question of aren't credit bureaus invading your private info - and the answer would be NO, because were signing our rights away in these contracts!

So if thats the case - perhaps educating enough people could result in a boycott. The clause could be removed in exchange for a large deposit or such, so that you could still do business.

Yeah - sure it could...boycott away

 

[mrgonzo]

Yeah - sure it could...boycott away

roll your eyes, but people are starting to wake up to this, just ask the woman who won a 3 million dollar equifax settlement, I'm sure she would join a boycott!

http://www.upi.com/NewsTrack/Business/2007/12/04/woman_wins_3m_verdict_against_equifax/2299/