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 AmeritecTechChange we can believe in, 1922Premium
join:2002-09-06
Houston, TX
kudos:6 | reply to blackjeep
Re: There oughta be a law said by blackjeep:
Your credit score only goes down when there are major inquiries done, examples would include credit checks for purchasing a house, a car, filling out apps for credit cards, etc. Minor inquiries such as when a bank of Idaho or whereever Visa dept does an inquiry and then sends you an offer for a 'free' ($50 cash upfront) credit card, DO NOT hurt your score in any way, and your credit report will note that very clearly.
As a matter of fact, the second set of inquiries that you mentioned will not even show up on the report that someone pulls. You will see it if you pull your OWN report from the bureaus, but potential creditors DO NOT see it. | | |
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 bistro777Donuts-Is There Anything They Can't Do?Premium
join:2002-02-07
Englewood, CO | reply to AmeritecTech
Re: There oughta be a law - - From my original post - - - "But a loophole in the FCRA enables them to sell "directory information" from credit reports - "credit headers" - your name, address, telephone number, date of birth and Social Security number. The FCRA’s opt-out provision that applies to pre-approved offers of credit does not apply to credit headers. You are not able to opt-out of the sale of your credit header information by the CRAs." - - - And Comcast can do the same with that personal information about you.
Also - - - "Researchers at Michigan State University recently studied over 1000 identity theft cases and found that victims in fifty percent of the cases specifically reported that the theft was committed by an employee of a company compiling personal information on individuals." - - - If you're comfortable with your cable company sharing your personal info after reading something like that, well God bless and good luck."
Ever move and have to reestablish gas/electric/etc.? Guess what? Credit check. Cell phone? Same thing. Want any unscrupulous person to get his hands on your SSN? Keep clicking "no prob" to stuff like Comcast's ploy...
Cross-country skiing is practical only if you live in a small country. | |
AmeritecTechChange we can believe in, 1922Premium
join:2002-09-06
Houston, TX
kudos:6 | said by bistro777:
From my original post - - - "But a loophole in the FCRA enables them to sell "directory information" from credit reports - "credit headers" - your name, address, telephone number, date of birth and Social Security number. The FCRA’s opt-out provision that applies to pre-approved offers of credit does not apply to credit headers. You are not able to opt-out of the sale of your credit header information by the CRAs." - - - And Comcast can do the same with that personal information about you.
This is no longer correct. The FTC disallowed the use of credit headers, except under certain circumstances, which are:
(A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
(B) intends to use the information for employment purposes; or
(C) intends to use the information in connection with the
underwriting of insurance involving the consumer; or
(D) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status
»www.pimall.com/nais/nl/n.headersdie.html
One of the above is also the requirement to pull a full bureau report, so anyone who had one of the above reasons would more likely do that. | |
bistro777Donuts-Is There Anything They Can't Do?Premium
join:2002-02-07
Englewood, CO | Someone better tell the Electronic Privacy Information Center and the Senate Committee on Banking. From the June 24th EPIC letter to the Senators Shelby and Sarbanes - -
"In particular, financial institutions are allowed to share the personal information of their customers with third-parties and affiliates, placing the burden upon the customer to opt-out of such sharing. Even if the individual opts-out, the institution can nevertheless share an individual's personal information with affiliates. Given the large number of affiliates some holding companies have, the practice of affiliate sharing effectively neutralizes the privacy protections built-in to the FCRA."
And that takes us back to "opt-out" v. "opt-in" authorization and the ongoing abuse of the FCRA by "affiliate" companies. Frankly, in this age of identify theft and the substantial cost to those who are victims of it, I don't want my cable provider bandying-about my personal information nor do I want my banks/brokerage house to do so either. The EULA being discussed here is abuse of power/privilege by Comcast and should be recognized as just that.
I know I'm crazy, but it's kept me from going insane. - - Waylon Jennings | |
AmeritecTechChange we can believe in, 1922Premium
join:2002-09-06
Houston, TX
kudos:6 | Yes, the EPIC seems to be confused about credit headers. Someone should tell them. At any rate, anyone who doesn't want their credit information shared should simply not sign up for Comcast. | |
Reviews:
 ·Bright House
| reply to Maxo
Be realistic... PLEASE READ!!!
I have a couple of REALLY good question, then I will rest my case. QUESTION ONE!! Does ANYBODY have an actual packet capture of the "Transition Wizard" sending ANY information back to Comcast (with the possible exception to the e-mail address stored in Outlook Express, this may be needed by them only to refer to the new name you may have been assigned during the transition)??? No??? But why not? Because IT DOESN'T HAPPEN. You just agree to a general legal agreement that is required to be forced in your face in order for the software to legally be placed on your machine and be supported by Comcast. But wait... Think about it this way too, sometimes you get outsourced assistance with your internet, this being an affiliate, if they are assisting you with this product (the transition wizard) then that is an affiliate that would need access to the company records to verify they are actually talking to YOU. QUESTION 2!!! At WHAT POINT, does the software (TRANSITION WIZARD) ask YOU, JOHN Q. USER, for personal info like your account number, social security number, address, etc??? NEVER!!! I think you are all just a bunch of paranoid folks with nothing else to do other than be afraid the rich ol' cable company is going to screw you out of your credit report scores... And to add another thing to the subject, if you lease the modem, they have all your info all ready, and the only thing at this point you should be concerned about is what you actually SIGNED on the work order at the time of install, because it is a binding legal document WITH all your personal info on it, including your SS#... Your credit info is only pulled when you lease equipment from someone anyway, just like when you get a credit card, so whats the big deal about that??? Simply purchase your own modem and that solves that problem. Leave the subject alone, you are blowing smoke up peoples rear ends, and you really should stop.. | |
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