     Anonymous | Tuesday, March 07, 2000 - 03:32 am 
I post this because I believe it is not MY responsbility to gather information for these idiots or to correct their errors. They are in the business to gather information and as recently reported to sell personal information about people. I'll be darned if I am going to help them.
How much credit have you applied for/used within the past 3 years living at your new address? This plays a role. For example, if you've only applied for one or two credit cards or maybe a loan, and you don't have any current creditors reporting to TU, then your new address might not have been reported to TU. There is no guarantee that the companies that you applied to actually used Trans Union. If they only requested inquiries from Equifax and/or Experian, then TU has no way to know your address. Your address on file with them is obtained via any creditor pulling your report (i.e., inquiry for credit purposes) or any creditor supplying (current) account activity with an address change initiated by you.
If you move today, never apply for credit with your new address and do not have any current activity with a creditor that reports to TU, then TU is not going to know what your new address is.
CRA policy is to verify your address before sending out your report to you. If they just send it out to any address, then someone else could be ordering your credit report. It's weak protection, but it's better than NOT requiring proof of your residency in the event that a request for YOUR profile is made and intended to be delivered to an address that's not on your file.
Simply living at an address or changing your address on your driver's license is no guarantee that your address change will be on file at any of the credit reporting agencies.
No, it's not your responsiblity to gather information for the CRA's, but it is their responsiblity to somehow attempt to protect your information. Incompetent? Maybe. Probably. But not in this matter. |
