Would it be a little disconcerting to realize that our vaunted credit bureaus are just shyster sales people like every one else?

Well, first, they’re the ones giving your information to companies so they can send you junk mail. It’s easy to tell them to stop. You just have to know that they’re the one’s doing it.

We’re closing in on our house. The finance guy we’ve been working with for a year, Jeff, ran our credit last month, and again today. Rick’s credit was unchanged….mine was unchanged, except for the Transunion report…it had dropped 30 points for no apparent reason. Jeff couldn’t find a reason for it anywhere.

I called Transunion. Got a hold of an ESL customer service rep from India. Couldn’t understand a thing she said, except that, somehow, it was Jeff’s fault. If they don’t plug the “right thing” in they’ll get a rating that’s different from your actual score. I got the impression that NO finance company ever gets your actual score.

I asked her to send me my score. She said there was a charge. I said, I knew that I could get one free, once a year. She muttered something unintelligible…then launched into her sales pitch. Something about I was eligible for this one time deal that would allow me to get my score for free AND I could receive weekly newsletter and shit from them, all for free, and all they needed was my debit or credit card number!
I said, “If it’s free why do you need my number?”
“Something something double talk….”
I said, “No thank you.”
She kept trying to get me to suck into whatever.
I finally all but hung up on her.

I never found out a damn thing about what could have happened to drop me 30 points.

I was purely disgusted.

What are your thoughts about it? It seems vaguely illegal to me…