So if I never used their services, how does ones info get into their database? I’m sure 143 million did not sign up for their service. That’s almost half of the entire population of the US.
Something does not add up here?
If you have ever opened a loan or credit card, that is part of your credit history and is reported by the CC or loan company to the three credit reporting agencies. The loan or cc docs you signed probably contained your consent for them to share your information with the three credit reporting companies. You DID read ALL of the fine print, didn’t you?
If you ever had a credit card,mortgage,loan etc you are in a credit reporting agencies data base————that’s how the banks check your credit————they signed up for the service,you didn’t.
http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf
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