Does anyone know if the opt out option with the credit bureaus includes credit header information? I am finding that most individuals aren't aware of the fact that your file header info (current/past addresses, employment info) are NOT covered by the FCRA.
EXPERIAN... Consumer Alert You may have seen a widely circulated chain-type e-mail that claims that as of July 1, 2001 credit reporting agencies can share your credit history with anyone, at any time for any reason. This claim is totally false and without merit. The federal Fair Credit Reporting Act specifies who can obtain a copy of your credit report and under what circumstances. Experian is in full compliance with the laws governing disclosure of credit files. If you wish to obtain additional information about consumer credit issues please visit the Ask Max credit advice column on this Web site. The August 8, 2001 issue discusses this e-mail.
Precisely why I use the initials of my company when applying for credit...not lying...just making them work for the info...you do have the right to update this info you know!
