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The three major
national credit reporting agencies, also called
Consumer Reporting Agencies (CRAs), are
not government agencies. They are for
profit, multi-million dollar national credit
corporations that gather and sell your private
personal credit information to creditors,
insurers, employers, landlords, and companies
that solicit you for credit and insurance
offers.
They also sell your credit history information
to telemarketing and mailing list companies,
without your permission and in most cases
without your knowledge! They admit that errors
occur on consumer credit reports, but they do
nothing to correct them.
If they really
cared what they reported, they could send
everyone a copy of his or her credit report once
a year and ASK if everything is right! But they
don't. Instead they report whatever they want
and make the consumer "prove" that the credit
report is inaccurate.
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