B
Premium,MVM
join:2000-10-28
| reply to Steve
Re: Potential Security Issues?
said by Steve  : said by B :These aren't magazine publishers or small town dairies -- they're an absolutely vital part of the economy for just about everyone. "Checking accounts" and "phones" are absolutely vital parts of our economy, but those shouldn't be free either. Perfect examples! They're not free (though the former frequently are), but they are absolutely regulated in one or more ways by government. Banks and telcos are required to do all sorts of things in an effort to comply with laws meant to protect consumer rights. Each of those "things" costs that organization MONEY, so yes, you are getting a form of service "free" because the government made the bank adhere to certain practices.
Big hairy deal. Now the poor underfunded credit cartel has to let some savvy consumers know what the heck they've compiled in their dossiers, and without having to pay for the privilege. I can certainly live with that.
-- B
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In a realm outside causality and function |
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SnowyOne
Premium
join:2003-04-05
Kailua, HI
 ·RoadRunner Cable
 ·Clearwire Wireless
| reply to Steve
The collective mission statements of these private services boils down to fair & accurate reporting.
This is just a step in the right direction to help them achieve their goals. 
--
Dave said "By the way, 4294967295 is just another way to write -1". |
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mers2
Premium,MVM
join:2004-03-20
USA
clubs:
 ·AT&T U-Verse
| reply to SnowyOne
said by SnowyOne : said by Steve :Why should a private organization be required to give you, or anybody else, free service? Why not require the milkman to give you a free gallon of milk every year? And a free issue of Playgirl while they're at it? Steve So we should pay for the duty of checking that the credit info collected on ourselves is indeed accurate & up to date? Agreed. At least one review per year of personal credit information collected by us or attached to our personal credit information by fraud should be free. It's my personal information that determines whether I'm given or denied credit. This is in no way similar to any other "product".
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"Think for yourself and let others enjoy the privilege of doing so too." - Voltaire |
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Steve
I'm a PC, so shut up
Consultant
join:2001-03-10
Yorba Linda, CA | reply to SnowyOne
Oh, so this is helping them: now I got it
Those companies must be delighted |
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DonoftheDead
Premium
join:2004-07-12
USofA
clubs:
·Comcast
| reply to mrgeek
Part of the reason for the legislation was that the credit bureaus were irresposible in that it was very difficult to get mistakes corrected. A lot of people got screwed by them. This is to ensure that folks will be able to get their reports corrected in a timely manner, as well as looking out for ID theft. And how much does it cost them to do this? Probably not very much(especially over the Net). If you want the government to butt out then don't make people mad enough to write their legislators. I don't like unfunded government mandates either, but the big boys act like bullies sometimes and invite government intervention. Myself, I will get one over the net. Not worried about security, mostly cause there's nothing there to steal. |
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bureau ee
@comcast.net
 from:
jaykaykay
| reply to mrgeek
Re: Potential Security Issues?
Using the website is absolutely safe and secure, barring there is not spyware/virus on the individuals own computer that might steal information transmitted over the connection. I work for one of the bureau's and trust me, information is our sole asset. I assume the other two bureaus would take as much security precaution as my company would to protect our asset. Remember, all the thousands of employees that work for the bureau's are also consumers and trust that the information in our files is safe, secure and accurate. |
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dvd536
as Mr. Pink as they come
Premium
join:2001-04-27
Phoenix, AZ | reply to mrgeek
so does this 'automatically' enroll you in some expensive hard to cancel service like freecreditreport.com does?
--
You can never be too rich, too thin or have too much Bandwidth |
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ylen131
join:2000-02-09
Canoga Park, CA
| said by dvd536 :so does this 'automatically' enroll you in some expensive hard to cancel service like freecreditreport.com does? NO |
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ylen131
join:2000-02-09
Canoga Park, CA
| Re: Potential Security Issues?
with out taking it to much off topic $54 for gas sometimes in L.A. will only last for 3 days depending on how much you drive and what you drive.
Regarding credit history it self, you have a right to get credit history for free every time you get denied for cc,loan or anything that involves checking your credit history score. If someone that can't afford to spend $54 a year on credit history shouldn't worry to much about his credit as crooks don't steal people identity that don't have allot of money |
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SnowyOne
Premium
join:2003-04-05
Kailua, HI
·RoadRunner Cable
·Clearwire Wireless
| said by ylen131 : If someone that can't afford to spend $54 a year on credit history shouldn't worry to much about his credit as crooks don't steal people identity that don't have allot of money Not true.
Identity thieves are looking for credit worthy identities.
Assets play into credit scores, but not as much as you may think. People who "don't have allot of money" can easily have a better credit rating than people who do have a lot money.
--
Dave said "By the way, 4294967295 is just another way to write -1". |
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ObdH
Premium
join:2003-06-11 | reply to mrgeek
You have selected Texas.
Free credit reports will become available through this site for Texas on June 1, 2005.
ugh...
I guess it's going to be a while  |
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systems2000
What? You Say It's Fixed. Hah
join:2001-11-29
Cyberspace
 ·Embarq
| reply to Steve
said by Steve :"Checking accounts" and "phones" are absolutely vital parts of our economy, but those shouldn't be free either. A vast majority of U.S. residents can get free checking, either through keeping a certain amount of funds in their account or by shopping around. I haven't paid for a checking account since th 1970's. I have paid for checks though.
--
Personal Theme Song:RUSH - Mystic Rythms from Power Windows. |
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Steve
I'm a PC, so shut up
Consultant
join:2001-03-10
Yorba Linda, CA
| said by systems2000 : A vast majority of U.S. residents can get free checking, either through keeping a certain amount of funds in their account or by shopping around. ... which is the result of private negotiation between you and a service provider: that's how it should be.
They should not be obligated by law to provide it free (e.g., without the negotiation that you went through), and I suspect we'll all find out just how good this "free" credit service actually turns out to be.
Steve
--
Stephen J. Friedl • Unix Wizard • Microsoft MVP • Tustin, California USA • my web site |
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metrodust
Hey Thats Mine
join:1999-12-10
Seattle, WA | reply to mrgeek
just used it. and it works fine. its not any different then using freecreditreport.com
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When you are leaving.. heaven is a distance not a place. --Carissas Weird |
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B
Premium,MVM
join:2000-10-28
| said by metrodust :just used it. and it works fine. its not any different then using freecreditreport.com How? It's not open yet.
And doesn't freecreditreport.com force you to try a useless monitoring service?
Let me be honest here, no one gives away anything for nothing. There is a price for everything. In order to get a free credit report from freecreditreport.com you must sign up for the Credit Check Monitoring service. The trick to getting your free credit report is to cancel the Monitoring service before your thirty days are up. -- B
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In a realm outside causality and function |
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metrodust
Hey Thats Mine
join:1999-12-10
Seattle, WA
| said by B : said by metrodust :just used it. and it works fine. its not any different then using freecreditreport.com How? It's not open yet. And doesn't freecreditreport.com force you to try a useless monitoring service? Let me be honest here, no one gives away anything for nothing. There is a price for everything. In order to get a free credit report from freecreditreport.com you must sign up for the Credit Check Monitoring service. The trick to getting your free credit report is to cancel the Monitoring service before your thirty days are up. -- B it sure is open. i just got my 3 free reports, with optional pay scores.
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When you are leaving.. heaven is a distance not a place. --Carissas Weird |
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B
Premium,MVM
join:2000-10-28 | Cool. You're the early adopter... or beta tester... guinea pig?
-- B
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In a realm outside causality and function |
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metrodust
Hey Thats Mine
join:1999-12-10
Seattle, WA
| said by B :Cool. You're the early adopter... or beta tester... guinea pig? -- B stop scaring me
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When you are leaving.. heaven is a distance not a place. --Carissas Weird |
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