Re: AKICIF: "X-Kaspersky:" header

Keith F. Lynch <kfl@[EMAIL PROTECTED]
> wrote:
> <rkshullat@[EMAIL PROTECTED]
> wrote:
>> Unless identity thieves have trashed your credit it should basically
>> be neutral
> 
> Since I never borrow money, presumably *everthing* on my credit report
> is a bogus charge, *none* of which I've ever paid.

A person's credit rating starts out as a neutral value since they have
no history, good or bad, for lenders to base their decisions on. It goes
up or down as they develop a history. If you've never borrowed anything
your rating is still neutral. If you suddenly wanted to borrow a lender
might be curious as to why someone your age had no credit history but
they'd still base their decision on that neutral rating.

> Or do they also track things like my paying my rent and utility
> bills regularly?

No, although anyone you do long-term business with can send in a
verification request which gets recorded in its own category.

>> 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 get some, not a lot.  What's the usual rate of bogus bills?

No idea what's usual. I've gotten about three over the last 25 years.
Never gotten the "AFNI scam" letter but apparently a lot of people do.
I've had bad information show up in my credit report twice. I was able
to get it removed over the phone both times.

>> I don't know enough about their sources of data to know if they'd
>> have your SSN or not.
> 
> If they have it, they got it from the government or from one of my
> employers.  I've never given it to anyone else.  My landlord doesn't
> have it.  The Red Cross doesn't have it.  My phone company doesn't
> have it.  My power company doesn't have it.  My bank doesn't have it.
> When I had insurance, my insurance company didn't have it.

Government agencies can query your credit report and they'd certainly
supply your SSN if they did. Employers can do so but they have to notify
you in advance, in writing and on a separate document to be compliant
with the law.

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