Did you give TransUnion, Experian, and Equifax the authority to keep information on you?

Question

My credit started in 1988 when Mobil or Exxon reported that I opened a credit card.

No big deal. I'm ok with that even without my authority and consent.

What I'm not ok with is how much bee-ess I'm having to go through to get my stupid credit reports from these jamokes.

Mobil, Exxon, and any other Tom, Dick, and Harry can say whatever they want about me at the drop of a hat. However, try to get a copy and what do they say?

"The information you provided as proof of your identity does not match your information currently on file."

I'm trying to teach these credit bureaus a little bit of math:

If A = B, and B = C, then A = C.

A is me
B is the creditors
C is the credit bureaus

A can talk to B.

B can talk to C

But C won't talk to A.

What exactly is it the credit bureaus don't get about that?

Answer 1

Grow up.

Answer 2

The credit bureaus don't need YOUR consent. That's first and foremost.

Credit bureaus keep information on your credit or lack of credit available to potential lenders. On any of your your credit applications you do agree to this.

You can get information from a credit bureau any time you want to.

You are talking about an online application. You know what I found? If you try to pay for or buy your credit report online, with a PREPAID credit card, it won't work. Why? because that credit card is not on file with them. If your credit card is very new, that also might be a problem, if the issuer hasn't reported to the credit bureaus yet.

You need to call the credit bureau in any event, and speak to a customer service rep on what you need to do to access your information. In my case, I just had to fax the copy of the credit card and some Id to them.


Forget about your "MATH" , and trying to teach anyone anything.

Answer 3

They didn't bother to ask my permission.

It sounds like there's a discrepancy and they won't let you see your credit report online. You are going to have to send a request by mail. Include a copy of your social security card and driver's license, maybe a utility bill showing your current address. The credit bureaus will send you a copy of your report via mail. They are just making sure your information is secure -- even if they do let every Mobil and Exxon look at it.

Answer 4

I think you are consenting to it when you apply for a credit card (after all, a line of credit is not a birth-given right).

https://www.annualcreditreport.com/cra/index.jsp has always worked for me.