{"id":12875,"date":"2020-03-15T13:44:31","date_gmt":"2020-03-15T17:44:31","guid":{"rendered":"https:\/\/www.duck9.com\/?p=12875"},"modified":"2020-03-15T18:57:47","modified_gmt":"2020-03-15T22:57:47","slug":"equifax-and-the-oligopoly-engineer-failure-into-your-effort-to-get-3-credit-reports","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/equifax-and-the-oligopoly-engineer-failure-into-your-effort-to-get-3-credit-reports\/","title":{"rendered":"Equifax and the Oligopoly Engineer Failure Into Your Effort To Get 3 Credit Reports"},"content":{"rendered":"
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By Larry Chiang<\/div>\n
TLDR, there are two sets of laws that govern access via the Internet and access to your credit reports via written request<\/div>\n
Here is another example of a person who cannot get their credit reports via the internet. <\/div>\n
\n\n\n\n\n
<\/span><\/td>\nPeter Villeroy (@PeterVilleroy<\/a>)<\/b><\/td>\n<\/tr>\n
\n
3\/14\/20, 6:16 PM<\/font><\/a><\/div>\n
Why is it so hard to buy a credit report? The three bureaus seem overly occupied trying to sell me subscriptions that include everything except… a full credit report!
\n<\/a>\u00e2\u0081\u00a6\u00e2\u20ac\u00aa@Experian_US\u00e2\u20ac\u00ac\u00e2\u0081\u00a9<\/a> <\/a>\u00e2\u0081\u00a6\u00e2\u20ac\u00aa@Equifax\u00e2\u20ac\u00ac\u00e2\u0081\u00a9<\/a> <\/a>\u00e2\u0081\u00a6\u00e2\u20ac\u00aa@TransUnion\u00e2\u20ac\u00ac\u00e2\u0081\u00a9<\/a> I\u00e2\u20ac\u2122ll pay for a full report in PDF format, I just can\u00e2\u20ac\u2122t find the link!<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n


\n<\/span><\/p>\n

Mr Villeroy tweeted, \u00e2\u20ac\u0153Why is it so hard to buy a credit report? The three bureaus seem overly occupied trying to sell me subscriptions that include everything except… a full credit report!
\n<\/span>\u00e2\u0081\u00a6\u00e2\u20ac\u00aa@Experian_US\u00e2\u20ac\u00ac\u00e2\u0081\u00a9<\/a><\/span> <\/span>\u00e2\u0081\u00a6\u00e2\u20ac\u00aa@Equifax\u00e2\u20ac\u00ac\u00e2\u0081\u00a9<\/a><\/span> <\/span>\u00e2\u0081\u00a6\u00e2\u20ac\u00aa@TransUnion\u00e2\u20ac\u00ac\u00e2\u0081\u00a9<\/a><\/span> I\u00e2\u20ac\u2122ll pay for a full report in PDF format, I just can\u00e2\u20ac\u2122t find the link!\u00e2\u20ac\u009d<\/span><\/p>\n


\n<\/span><\/p>\n

David from Equifax replied not with <\/span>#poBox105281 but instead with a link that sends you into a dead end rabbit hole <\/span>help.equifax.com<\/a> <\/font><\/p>\n


\n<\/span><\/p>\n\n\n\n\n
<\/span><\/td>\nEquifax Inc. (@Equifax<\/a>)<\/b><\/td>\n<\/tr>\n
\n
3\/14\/20, 6:32 PM<\/font><\/a><\/div>\n
<\/a>\u00e2\u0081\u00a6\u00e2\u20ac\u00aa@PeterVilleroy\u00e2\u20ac\u00ac\u00e2\u0081\u00a9<\/a> We apologize for the trouble this has caused. The following link may address your concern. 
\nhelp.equifax.com\/s\/article\/How-\u00e2\u20ac\u00a6<\/a>-David<\/p>\n

<\/span><\/font><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/span><\/p>\n

\n\n\n\n\n
<\/span><\/td>\nPeter Villeroy (@PeterVilleroy<\/a>)<\/b><\/td>\n<\/tr>\n
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3\/14\/20, 6:36 PM<\/font><\/a><\/div>\n
<\/a>\u00e2\u0081\u00a6\u00e2\u20ac\u00aa@Equifax\u00e2\u20ac\u00ac\u00e2\u0081\u00a9<\/a> This is a link to free reports. I tried to order that, but equifax\u00e2\u20ac\u2122s identity verification didn\u00e2\u20ac\u2122t work so it denied me online ordering. A highlight: \u00e2\u20ac\u0153Our records show you took out a loan on for a car in Jan 2020…\u00e2\u20ac\u009d Sorry but I have never taken a loan for a car.<\/span><\/font><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
 <\/span><\/div>\n

This is a link to free reports. I tried to order that, but equifax\u00e2\u20ac\u2122s identity verification didn\u00e2\u20ac\u2122t work so it denied me online ordering. A highlight: \u00e2\u20ac\u0153Our records show you took out a loan on for a car in Jan 2020…\u00e2\u20ac\u009d Sorry but I have never taken a loan for a car.<\/span><\/p>\n


\n<\/span><\/p>\n

equifax\u00e2\u20ac\u2122s identity verification didn\u00e2\u20ac\u2122t work because it never works. <\/i><\/span><\/p>\n


\n<\/span><\/p>\n

Use #poBox105281, ATL ga 30348. Also, click on the hashtag for videos that solve your exact issue<\/span><\/p>\n


\n<\/span><\/p>\n

In short, print out the #PObox105281 form and photocopy your drivers license to then mail in. HAVING PROBLEMS?? Email or text me and I\u00e2\u20ac\u2122ll send you the form<\/span><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

By Larry Chiang TLDR, there are two sets of laws that govern access via the Internet and access to your credit reports via written request Here is another example of a person who cannot get their credit reports via the internet.  Peter Villeroy (@PeterVilleroy) 3\/14\/20, 6:16 PM Why is it so hard to buy a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"class_list":["post-12875","post","type-post","status-publish","format-standard","hentry","category-deep-underground-credit-knowledge-via-subroutines"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/12875","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=12875"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/12875\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=12875"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=12875"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=12875"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}