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mpouraryan
mpouraryan
9/13/2017 8:51:24 AM
User Rank
Platinum
Re: Flimsy Argument
It is not a question of if, but when-as I wanted to report on this for all impaced by this:

https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do

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batye
batye
9/13/2017 1:48:26 AM
User Rank
Platinum
Re: Flimsy Argument
@srufolo1 yes, I think it only mater of time before we gonna see class actions will started... 

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srufolo1
srufolo1
9/12/2017 10:51:03 PM
User Rank
Platinum
Re: Flimsy Argument
@mhhf1ve I wouldn't put it past Equifax to have caused the breach on purpose so that people will buy its credit-monitoring service. I think there should be a huge lawsuit against them quite frankly. 

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srufolo1
srufolo1
9/12/2017 10:48:09 PM
User Rank
Platinum
Re: Flimsy Argument
@mhhf1ve And the list of credit-reporting agencies grows bigger still. They all are worthless with their tactics and always making mistakes that lower your credit, then it's supposed to be up to you to have them fix the mistakes. Wonder why these other two credit agencies are not widely known. Maybe my credit report would be better with them!

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batye
batye
9/12/2017 1:38:16 AM
User Rank
Platinum
Re: Flimsy Argument
@mpouraryan yes, as weather going crazy this days... we living in interesting but not an easy times...

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mhhf1ve
mhhf1ve
9/11/2017 7:16:47 PM
User Rank
Platinum
Re: Flimsy Argument
Ha. In looking up the name for the 4th credit agency... I discovered there's a 5th one that no one talks about?? PRBC (for Pay Rent, Build Credit)

https://en.wikipedia.org/wiki/PRBC

https://en.wikipedia.org/wiki/Innovis

"Innovis is a provider of consumer data solutions[1] and is considered a CRA (also known as a "Consumer credit reporting agency") in the United States, the other three being EquifaxExperian and TransUnion. Most sources of information about consumer credit repair seldom mention either Innovis or PRBC, a fifth agency, as of 2013."

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mhhf1ve
mhhf1ve
9/11/2017 7:13:27 PM
User Rank
Platinum
Re: Flimsy Argument
The other bit of bad news is that Equifax sells its own credit monitoring service -- so it stands to *make money* from this breach (after it presumably gives everyone just *one* free year of credit monitoring).

I believe some Senators are calling for credit agencies to be held more accountable than this.

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mhhf1ve
mhhf1ve
9/11/2017 7:10:58 PM
User Rank
Platinum
Re: Flimsy Argument
> "Do you know the name of that credit agency?"

Innovis is the fourth one, but somehow it's not widely known? 

http://www.creditreporting.com/innovis.html

"Besides the three national credit reporting agencies, Equifax, Experian and Trans Union, there is also another important credit agency in the US that maintains a significant database of consumer credit information called Innovis..."

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srufolo1
srufolo1
9/11/2017 3:06:32 PM
User Rank
Platinum
Re: Flimsy Argument
@mhhf1ve "Apparently there is a lesser known fourth credit agency,"

Do you know the name of that credit agency? I use Credit Karma to check my credit, and they use only the three we are all familiar with. It's amazing how quickly they get information. I'm actually getting a little worried about this entire Equifax breach and how secure my identity is now.

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srufolo1
srufolo1
9/11/2017 2:57:15 PM
User Rank
Platinum
Re: Flimsy Argument
@mhhf1ve Good question. It's been those three since I don't know when credit reporting came into being. But it would seem monopolistic. They ruin people's lives with many innacuracies that are difficult to remove. I think attorneys, companies that provide information about you to those credit-reporting agencies, and credit-repair companies (which make matters worse) are all in bed together.

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