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     | Sunday, April 23, 2000 - 06:07 pm  The BayHouse most current credit report order info (URLs, phone #s, etc.) For more info on the Credit Bureaus, READ this VCR page BEFORE you contact them. http://members.aol.com/victcrdrpt/play.html Excerpt: "Assume that anything you tell credit bureaus, bill collectors or counseling services (to a lesser degree) will end up in the hands of your worst enemy. When dealing with credit bureaus and collectors never give a drivers license number and avoid giving other unnecessary details like your employer, telephone numbers, or previous addresses. They can and do use such details to hurt you and it is illegal to use credit inquiries as "fishing expeditions" to build up files. This is the main reason they won't handle disputes by email. They found the report that was used to reject you with only a name, birthday and social security number, so they can find it for you with the same information. If you want to see the same credit report your lender saw, give the agency no more info than you gave the lender. New laws require a free report if you are unemployed or on welfare, but we don't recommend using this option. Bureaus will add your name to other lists you know nothing about that lumps you in with street alcoholics and disgraced politicians. Anything you tell a credit bureau will likely end up in all of their databases (not just credit reports) and sold to bill collectors, marketers, employers, insurance companies, martian invaders, competitors, etc. Remember, to them you are not a customer. You are nothing more than an object in an inventory. Think of a credit bureau as sort of a grocery store tabloid who wants to interview you. It is dirt their customers want and scandal is their real stock in trade. Do not rely on the Fair Credit Reporting Act to protect you, even with the recent industry sanctioned "improvements". It really is quite worthless for anything other than getting a copy of your report, and bureaus routinely just ignore it altogether. When you apply for a job paying over $75,000, try to finance a home over $150,000, or get "checked out" by law enforcement, all the items you thought were deleted can, and often do, legally return forever, and without warning. Any item deleted for no response can reappear (with notice) any time within 7 years (10 years for a bankruptcy), and there are numerous ways that deleted items still affect you, your relatives, and your neighbors credit score. On the positive side most bureaus just use 7 years from the date of first delinquency (no longer the date of last activity as required by 1997 changes to the FCRA)."
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