Saturday, 8 June 2013, DUBLIN, IRELAND - The Ninth Amendment's most recent post provided readers preliminary information on different means in many instances to quickly get free official credit bureau reports or in any case much of the information derived from them at sites always providing at least some of their recent content with the participation of the credit bureaus so as to "alert" consumers when it would be best to acquire (pay for) the official reports along with tailored commercial objective-appearing credit recommendations.
Even a cursory examination by the casual observer reveals that the bureaus share a keen interest in maximizing profits as the lapdogs of big business whose information they disseminate wholesale rife with errors and no initial check at all before churning out sloppy and careless errors which consumers can only hope to have corrected before seriously erroneous reports often wreak havoc on their financial, housing, employment and every other aspect of their lives that the credit bureaus can get away with as they search for more areas in which to intrude with reckless disregard for accuracy every day before another law can be enacted to stop them.
In a very unscientific hasty study members of the editorial staff particularly found
that it was the widely hated Experian was nearly universally cited in various rejection letters often doling out scores of as much as one hundred points below the other two major agencies mentioned, Transunion and Equifax. To add insult to injury although Experian sent these devastating numbers far and wide to businesses at the drop of a hat, when then legally required to provide the credit reports for free to consumers Experian of the three agencies by far most frequently refused to send them out online claiming that consumers could not adequately verify who they were although the other agencies had no problem doing so.
Only after sending Experian a packet of information akin to that required to refinancing a house were consumers told they then could expect reports delivered by "slow mail" and consequently dragging out the dispute process by weeks if not months. Somehow these same consumers by sending money for reports they were entitled to for free under law could consumers be assured of the immediate provision of an online report and opportunity for online disputes by the "leader" in online reports, along with a sneaky hefty subscription fee for ongoing overly frequent credit information at fees guaranteed to never allow one to lift their score.
Do not take our word for it. Just to take one site devoted to an examination of customer satisfaction we recommend http://www.customerservicescoreboard.com/Experian . Readers who just click on that site will find that of 284 customer reviews with comments Experian achieved a dismal score of 22 positive reviews and comments versus 262 negative reviews and complaints. Equifax employees were given an opportunity to comment and had a robust showing with only two responding which the Ninth Amendment neglected to review on the grounds that they might be biased. (As opposed to the 22 positive reviews which Experian employees most likely were "encouraged" to write under pseudonyms under threat of being fired.)
In any case considering that if Experian were scoring Experian it most likely would be homeless without a car, job or credit the Ninth Amendment believes that this site was more than fair even with these numbers assessing Experian's customer satisfaction performance just above the line of the worst category "terrible" but instead rating it a "disappointing". Which we suppose just goes to show there is always room to do even worse when one is at the bottom.
Interested readers who find they encounter similar problems with say Experian as is discussed here from personal experience of Ninth Amendment editorial board members are encouraged to use readers favorite search engines to find actual living persons to speak with at Experian. Just avoid the official Experian web page "insanity" loops and search under such terms as "Experian live person telephone numbers", "Experian Corporate Offices", etc. We assure readers that there indeed are real live people lurking behind that Experian website and "official" number telephone recordings just trying to do their jobs and discourage as many people as possible from pursuing getting their free credit reports as provided for under various laws.
But as we said they do not have any trouble instantly providing businesses with all the information they have about you, so it only seems fair that they admit you are you and at least extend you the same courtesy.
The real site for free annual credit reports remains www.annualcreditreport.com
Copyright 2013 Big M All World Rights Expressly Reserved
Even a cursory examination by the casual observer reveals that the bureaus share a keen interest in maximizing profits as the lapdogs of big business whose information they disseminate wholesale rife with errors and no initial check at all before churning out sloppy and careless errors which consumers can only hope to have corrected before seriously erroneous reports often wreak havoc on their financial, housing, employment and every other aspect of their lives that the credit bureaus can get away with as they search for more areas in which to intrude with reckless disregard for accuracy every day before another law can be enacted to stop them.
In a very unscientific hasty study members of the editorial staff particularly found
that it was the widely hated Experian was nearly universally cited in various rejection letters often doling out scores of as much as one hundred points below the other two major agencies mentioned, Transunion and Equifax. To add insult to injury although Experian sent these devastating numbers far and wide to businesses at the drop of a hat, when then legally required to provide the credit reports for free to consumers Experian of the three agencies by far most frequently refused to send them out online claiming that consumers could not adequately verify who they were although the other agencies had no problem doing so.
Only after sending Experian a packet of information akin to that required to refinancing a house were consumers told they then could expect reports delivered by "slow mail" and consequently dragging out the dispute process by weeks if not months. Somehow these same consumers by sending money for reports they were entitled to for free under law could consumers be assured of the immediate provision of an online report and opportunity for online disputes by the "leader" in online reports, along with a sneaky hefty subscription fee for ongoing overly frequent credit information at fees guaranteed to never allow one to lift their score.
Do not take our word for it. Just to take one site devoted to an examination of customer satisfaction we recommend http://www.customerservicescoreboard.com/Experian . Readers who just click on that site will find that of 284 customer reviews with comments Experian achieved a dismal score of 22 positive reviews and comments versus 262 negative reviews and complaints. Equifax employees were given an opportunity to comment and had a robust showing with only two responding which the Ninth Amendment neglected to review on the grounds that they might be biased. (As opposed to the 22 positive reviews which Experian employees most likely were "encouraged" to write under pseudonyms under threat of being fired.)
In any case considering that if Experian were scoring Experian it most likely would be homeless without a car, job or credit the Ninth Amendment believes that this site was more than fair even with these numbers assessing Experian's customer satisfaction performance just above the line of the worst category "terrible" but instead rating it a "disappointing". Which we suppose just goes to show there is always room to do even worse when one is at the bottom.
Interested readers who find they encounter similar problems with say Experian as is discussed here from personal experience of Ninth Amendment editorial board members are encouraged to use readers favorite search engines to find actual living persons to speak with at Experian. Just avoid the official Experian web page "insanity" loops and search under such terms as "Experian live person telephone numbers", "Experian Corporate Offices", etc. We assure readers that there indeed are real live people lurking behind that Experian website and "official" number telephone recordings just trying to do their jobs and discourage as many people as possible from pursuing getting their free credit reports as provided for under various laws.
But as we said they do not have any trouble instantly providing businesses with all the information they have about you, so it only seems fair that they admit you are you and at least extend you the same courtesy.
The real site for free annual credit reports remains www.annualcreditreport.com
Copyright 2013 Big M All World Rights Expressly Reserved
