[goodwithagun]

I have a hard time feeling bad for the credit bureaus. When my husband and I purchased our first home, we found out that he had a terrible credit rating. Turns out that he declared bankruptcy in 1990. Yep, that’s right. He filed for bankruptcy when he was 11 years old. The credit bureau guy was not amused when my husband asked “What do you think happened? My lemonade stand went under?” It took us several months the clear up that “problem.”

[darkwing104]

I am no fan of them either. It’s a racket and they are not held responsible by any law or oversight. (If they are I need proof.) They will tell you one score and tell the banks another. I cannot trust them.

[RegulatorCountry]

When my husband and I purchased our first home, we found out that he had a terrible credit rating. Turns out that he declared bankruptcy in 1990. Yep, that’s right. He filed for bankruptcy when he was 11 years old.

So, who "borrowed" his Social Security Number, name and address? It's almost always a family member.

[Wil H]

I had a denial of credit letter recently (for credit I hadn’t requested) and took the opportunity to demand a free copy of my credit report from Transunion.

I refused to give them my social security number on the basis that it was illegal for them to request it as they were not a government entity.

They sent me my report without a murmor, I then wrote back demanding they fix a couple of errors, again without giving my SSN, and they complied.