Beejeepers..840 FICO at 34. Check t

Re: Re: Re: Beejeepers..840 FICO at 34. Check t

No, I didn't miss the point. I understood the point quite well. I just don't agree with it. I can understand how you don't agree with what dinob12 wrote but it's too late to take it back. It makes no sense to keep on blasting away at him/her. That could discourage dinob12 from ever posting on this site again and who knows dinob12 might have some good insight on another post sometime in the future. Agree with you or not, I am sure dinob12 won't ever post anything like that again. I think we should just let it go.

 

Re: Re: Re: Re: Beejeepers..840 FIC

So, if I were to break into TU's office and steal some documents that were helpful to everyone on this board, that's fine with you, right? Because it doesn't matter HOW you get results, it's the results that matter.

I don't understand HOW anyone can condone this behaviour and THEN start citing FTC regulations to protect EVERYONE'S privacy. Those rules and conventions are not written with a clause that reads "If a score is higher than 800, then none of these privacy laws apply because Creditnet members benefit from analysis of said data".

If I were the person whose privacy was invaded, I'd be after dinob12 in a heartbeat and he - and/or his company and I would extract serious money for it.

Perhaps when you see YOUR credit info being discussed, without your consent, you'll get it.

Oh, and that kid at blockbuster, if he did something, he'd be prosecuted also.

What kind of crack is everyone smoking here?

 

Re: Re: Re: Re: Beejeepers..840 FIC

To each his/her own.
I have stated my opinion and you have your opinions.

 

Re: Re: Re: Re: Beejeepers..840 FIC

yeah guys,,no harm done, no ones personal name is mentioned, I don't think.

 

Re: Beejeepers..840 FIC

Someone is being awful uptight. Either do something about it or shut up already. We don't care which it is that you do though.

 

Re: Beejeepers..840 FIC

• 
  Let me ask you something ...
  • 
    1. Why are you guys all crazy about privacy? You think in real life you get any privacy? I'll tell you about privacy ... in Sep 2003 I applied for SS disability. Their answer was "we cannot approve your application because in June 2003 you have had more than $2,000". It took me three days to find out from my bank, that in 6 (six) month period there were 4 (four) days in which I had more than $2,000 ... Privacy? Bull$hit.
    
    2. I would understand the embarrassment if somebody knew I was $100K in debt with a BK, etc. But this guy has a perfect credit history. He should be proud of it and be set as an example.
    
    3. Based on the infomation posted, how many people could identify this guy? I said "people", not organizations. You must have real power and connections to personally identify him. But then again, if you do have that power, all you need is an envelope addressed to him taken out of his trash.
    
    4. If you do identify him, what are you going to do? Tell others? "Wow Jim, our neighbor has perfect credit history". Who cares! People are a lot more interested in someone who's credit is totally trashed.
    
    5. One of the posters said that this info gives you the FICO rules on a silver plate and I agree. How many hours have we all spend trying to figure it out? Why don't you dispute this? Concerned about privacy and ethics? Open a new thread and I'll be happy to join.
  
  
  Now, back to the topic. I've been dying to see the credit report which the lenders receive. There have been discussions here that CRA gives us one type of report and a different one to the lenders.
  
  So, Dino (if you're still reading the thread), few questions:
  • 
    - About his job, salary and residence - did you get this information from his application (where he just declares it), or from his report (where it should be somehow verified)?
    
    - Comparing your own report with the other people's reports which you see at work, do you see any difference in the volume of the information?
  
  Keep up the good work. To prevent any more "privacy" discussions, as another poster said - just eliminate the names of the accounts and post the type of the accounts.

 

Re: Beejeepers..840 FIC

DanS,

Actually if someone broke into TransUnion and posted their secrets I would be first in line to learn them Heck if invited I would be part of the team breaking in.

Looking at the other posts and other perspectives I am leaning now more on the maybe it was not such a bad post and true we could use more like this to help us determine how the fico scoring system works.

Our rights are violated every day, heck after 911 we have no rights.

 

Re: Beejeepers..840 FIC

So, to summarize.. everyone else violates our rights every day, what does it matter what we do?

These rationalizations - and that's what they are - are along the same lines of "Well, he was going to die anyway, so I just helped him along" or "The child would eventually lose their virginity, I just prepared him/her for the inevitable."

Can't go there myself, I believe that Everything Matters.

I don't see the point of arguing points about rights, privacy, protocol, etc. w/CRAs, CAs when we ourselves will partake in the same behaviour over which will take them to court.

If dinob12 had gotten permission from Mr. 840 FICO to publish his stats, that's a whole different story. He didn't, and why so few of you can see how out line he was, how this type of behaviour is EXACTLY what we condemn CAs and CRAs for, then I definitely need to start smoking the same crack as everyone else and be a whole lot less "uptight."

 

Re: Beejeepers..840 FIC

Dans,

Why must everyone have to be smoking crack? Because they do not agree with your point of view? Is it fair to label someone like that over a opinion? Did you ever consider that it might look the other way around and from where I stand you are the one smoking the crack?

It is all opinions and on the Internet you need to learn to live with it. You have and live by higher values and standards than some of us. I do not think that makes you right or wrong it simply makes you "you". Learn to respect others perspectives and points of views and you will live a much longer and happier life.

No need to keep hammering away, you point does not go unnoticed, you made you point and we appreciate it. But I do not need to be labeled as a crack head because I happen not to totally agree with your point of view.

It is all about perspective and like beauty it is on the eyes of the beholder.

 

Re: Beejeepers..840 FIC

probably his salary makes a big difference as far as lenders go. they might take that into account, whereas the true F.I.C.O. will not. not sure if you are posting his real fico (the real fico), or a fico (a fake internal one at your company) score driven by your company internally.

btw, that is kind of scary..he posted where the guy works, what his position is, and for how long..that is pretty specific.

 

Re: Beejeepers..840 FIC

• 
  Dans, living by your higher standards of ethics you shouldn't be hijacking the thread, because this is what you do. Instead of keeping up the topic you started calling people crackheads. As I said in my previous post (which you chose not to comment) - if you want to talk about ethics, open a new thread and I'll be happy to join.

 

Re: Beejeepers..840 FIC

Yes, everyone can think whatever they want. Opinions are just like, well you know the rest. We've all got 'em and think everyone else's stink.

The crack reference is to try to point out that legal and ethical behaviour is NOT about opinion. It it is NOT an opinion that dinob12 did something out of line here. Disagree? Ask his boss about it and see if he still has a job. Ask the person whose stats he quoted and see if they have a lawsuit. You know, the kind we talk about a few times a day here...

Don't ask people who somehow benefit from the sharing of this information - they will overlook what's obvious to anyone who has to answer to authorities on this. Now it turns into an "opinion".

Are the FTC regulations we quote "opinion"? If someone violates them, do we take them to court over our "opinion"?

I don't need a new thread to say: posting anyone else's personal data without their permission is wrong. This IS where it belongs. Sometimes, when we overlook the severity of what we're doing, we need a reminder IN THE THREAD.

Higher standards? Yeah, right. That's me, high up on the hill, fasting and praying. Human friggin' decency, do unto others, live and let live - is it that tough? Isn't it just possible to say "Perhaps I *can* do better?"

I have not hijacked any other threads. I did not call anyone else a crackhead - it was a self depracating remark, meant to be humorous and make light of the fact that I'm the only one who feels this strongly about it.

To date, very few have posted in agreement. Cool, I'm in the minority. I suspect the ones who "get it" are staying quiet for their own reasons.

I've said everything I can possibly say about this, and I'm done. I will simply stop posting altogether and anyone can reach me via email if they want to continue in private.

 

dinob12,

Please share the other info and if possible do not put up especifics. That way everyone is happy!

 

Re: Re: Re: Beejeepers..840 FICO at 34. Check t

Dinob12, thanks! The posting of data like this, omitting any identifying details, is what can help many find the magic formula to a high credit score.

Someone said they wondered if this person could sue if he knew this data was posted. Could they; yes. People can sue for anything at anytime for any reason. However, was privacy breached; no. No name attached to data, no geographic identifier, etc. Only identifying information was his employer and occupation, and the Navy is a huge employer.

How would I feel if it was my report? I would not be upset at all, since no identifier is used. In fact, I highly doubt most of us could say for certain even if one of our own reports was posted in this manner. Perhaps employer and banks should have been omitted, however, nobody could identify this person from the data given.

I would like to see more of these profiles, but again, omit employer and bank names.

 

Re: Re: Re: Beejeepers..840 FICO at 34. Check t

Wow Dan S. Take a chill pill. I agree with the guy who said he would join the team to break in to TU!!!

 

dinob12, I wouldn't worry about it. Everyone has their own opinion. I don't think you did anything wrong!! Keep on posting!

 

Re: Beejeepers..840 FICO at 34. Che

dinob12,

I see that the thread did get quite a bit out of hand and some people went a little to far in pointing out the possible legal ramifications of your actions. I think, from reading through the posts, that the consensus of those who were telling you not to post that type of information don't want you to not post again. Here's a thought:

PROFILE AGE 30's
xx years xx months at current job
xx years xx months at address-Mortgage payments in the 1200 range
Salary xx monthly
In bureau since xx
2 Auto loans
REVOLVING
Acct 1 16k Limit no Balance
Acct 2 closed in 95 0 Balance
Acct 3 2k limit 0 Balance
Acct 4 8k Limit 0 Balance

INSTALLMENT LOANS
Line of credit 6K High Balance $46
Line of credit 2k High Balance $0

This way all the needed information on this 840 FICO is there, but it is so well cloaked that there is no possible breach of privacy. This info tells us that the account history of longest account can be no more than 15 years, since his / her credit report was created in 88. There are no negatives at all, only 3 open revolving accounts, with this info one can assume that the closed account was probably open since around 88, so it's a closed by consumer account that shows good history. Perhaps even giving the year that the revolving accounts were open.

This will allow the CN users to say "OK so I have 3 revolving accounts that have been open for 18 years, with 0 balance and pretty high limits, I have a mortgage, and stable job history and a few auto loans that are in good standing. So if I get rid of my collection account from that problem I had with the phone company 5 years ago my score might be able to jump up into the 800 range"

And yes, THANK YOU VERY MUCH for seeing the benefit of posting this kind of information. If in your original post you either were more vague, or noted that occupations and credit grantors have been changed to protect the identity then all the hub-bub might have not happened.

Please post again, just more vague, with no names, just type of account, and pref year opened. Perhaps if we could get some listings of what it takes to be in the 700's, in the high 700's, in the 800's it would help us all towards our goals. This individual has clearly perfected what most of us wish for.

ChrisB

 

Re: Re: Beejeepers..840 FICO at 34. Che

• I second that. And, to bump up my questions which were lost in a meaningless off-topic discussion ...
  
  I've been dying to see the credit report which the lenders receive. There have been discussions here that CRA gives us one type of report and a different one to the lenders.
  
  So, Dino, few questions:
  
  
  - About his job, salary and residence - did you get this information from his application (where he just declares it), or from his report (where it should be somehow verified)?
  
  - Comparing your own report with the other people's reports which you see at work, do you see any difference in the volume of the information?