     Ann (Momof3) | Wednesday, April 04, 2001 - 03:41 pm 
A very good friend of mine at work is in the middle of a nasty divorce. She lives in a small town and the postman knows her well, she has been living in her new home for months. The other day her postman arrived with a letter that was addressed to her old address and since her knew where she lived now he thought he would bring it over and boy is she glad he did.
It turns out it is a credit report from Equifax, funny thing is she NEVER ordered a credit report. I told you about the nasty divorce, she had a feeling that her soon to be ex ordered the report so she called Equifax to inquire about the report. She explained that she never ordered a report, and wanted to know who and how this report was ordered. They claimed they could not give her this information and that since you need to know personal information that it must have been her that ordered it, she of course said that her husband's know all her personal information as well, but they still refused to tell her anything other than they will investigate it!!
Her husband did admit that he in fact did order her report because he wanted to know what she owed. I told her that he could be fined or imprisoned for obtaining her report, she kinda liked the idea. He still won't reveal how he ordered it, but she has not been on the checking account for a long time so we don't think that could be the cause and she hasn't been denied credit and he indicated he may have ordered online. Makes you feel real secure doesn't it? |
| Shylock (Shylock) | Wednesday, April 04, 2001 - 04:33 pm
All of this could've been avoided by a pre-nup.
Christine will say a PIN number at the credit bureaus, but I think that the husband would've still known the PIN number. |
| Christine Baker (Admin) | Wednesday, April 04, 2001 - 08:19 pm
Yup, Shylock, the PIN is the solution to almost ALL security problems.
Why would the husband know the PIN? If people do NOT change their PIN, then it's their fault.
How do I change my social security number, mother's maiden name, drivers license number, and birth date?
YOU tell me!
I've read of so many cases of ex-spouses getting credit reports and even applying for credit by forging signatures.
I'd say that Ann's friend should SUE the ex. Did I read somewhere $1,000 fines? Not sure. |
| Koona (Koona) | Thursday, April 05, 2001 - 07:32 am
I think the CRA should shoulder some responsibility.In the course of ordering your online report,they specifically state only you can order this report.Shouldn't the red flags go up when a online report is being bought and paid for with a credit card that's not the same name as the credit profile trying to be accessed or with a cc# not in the target customer file? |
