It's crazy how these people collect personal information about us and then charge us to even look at our information, besides the 1 free annual report. It's almost a scam. The credit bureaus then share this information, even sell it for a profit. And you have no say, unless you file a dispute which from what i have read about other people, is a long and drawn out process. But then society says, unless you have the cash which most people don't, having good credit is necessary to get a house, car, whatever. I've read that 1 in 4 reports contain errors serious enough to hurt access to loans, and some jobs. Then there are numerous companies that charge alot of money to clean up these reports. Sounds like it is all set up just to take our money. Maybe the case, maybe not. I mean looking at it from a lower level, say your boss collected information about you, and this information would be valuable in getting a loan, or a low mortgage rate, would you pay him for it? No, to me that would be blackmail. (Please excuse my rant as i'm new to this whole credit thing)
