Re: AKICIF: "X-Kaspersky:" header

Keith F. Lynch <kfl@[EMAIL PROTECTED]
> wrote:
> <rkshullat@[EMAIL PROTECTED]
> wrote:
>> Keith F. Lynch <kfl@[EMAIL PROTECTED]
> wrote:
>>> Then why does anyone pay attention to what credit reporting
>>> agencies say?
> 
>> Short answer: because the alternatives are worse (for the lenders).
> 
> Why doesn't competition between credit reporting agencies select
> against the less accurate ones?

They're all about the same. The only way to dramatically increase
accuracy would be to have their employees do a lot of manual review,
which would increase their costs and the cost to their customers.
They've essentially drafted consumers as manual review by using their
credit ratings as leverage.

>> If you care about your credit at all and are in the US it's
>> worthwhile to take advantage of the free yearly credit reports
>> from each of the agencies.
> 
> Mostly I don't care, as I never borrow money.  But I'm told that
> employers are increasingly looking at credit scores when deciding
> who to hire, so maybe I *should* care.  Or maybe I should figure
> I'm better off not working for such a stupid employer.

Unless identity thieves have trashed your credit it should basically
be neutral and if they'd done so I'd expect you to be getting lots and
lots of letters and phone calls from collection agencies.

> I've tried to see my credit report, but they won't provide it unless I
> give them my Socialist inSecurity number.  I'm pretty sure they don't
> already have it, and I'd greatly prefer that that remain the case.

Interesting question... I don't know enough about their sources of data
to know if they'd have your SSN or not. The laws governing them seem to
be mainly about who can access your report, what data can be on it and
for how long, not about how/where they can collect that data.

	Robert
-- 
Robert K. Shull                           Email: rkshull at rosettacon dot
com