Before you do anything, OPT OUT!

[Tater]

I have a question about disputing old addresses. I have sent my letters to the CR's and Equifax removed the old one's without a problem. I haven't heard back from TU yet but Experian did something kind of odd. They sent me a reply stating that they can't remove my old addresses because it is historical information and it will remain on file. I also got the line about one of my credit grantors reporting an old address as correct which I know is hogwash. All of my current accounts are tied to my current and correct address. It also states that if I dispute again in 30 days, that I won't get a reply. Now what do I do? Can I write them and ask which credit grantor is reporting an old address? Also, they listed all of my old address, including some places that I have never lived along with incorrect ss #'s?

[brooke6535]

Hi to all,
I have several medical collections on my credit report. They have recently been paid in full to the collection agencies. What do I do next? I just opted out for 5 years per your suggestion. What's my next step? Can you send me links to the HIPAA letters I need to send and when I need to send them. Thanks in advance for your help.

[jjgross]

Originally Posted by brooke6535

Hi to all,
I have several medical collections on my credit report. They have recently been paid in full to the collection agencies. What do I do next? I just opted out for 5 years per your suggestion. What's my next step? Can you send me links to the HIPAA letters I need to send and when I need to send them. Thanks in advance for your help.

Its in the beginning credit information its posted as a sticky!

[sampsonite]

Opting out is very important, but there are other ways for the creditors to find you! Below is a very useful link to help opt out of many other companies databases. These companies also sell your personal information!

Unfortunately I am unable to post the link since I am a junior member, but feel free to PM me and I will happily send it to you.

[chane]

Originally Posted by sampsonite

Opting out is very important, but there are other ways for the creditors to find you! Below is a very useful link to help opt out of many other companies databases. These companies also sell your personal information!

Unfortunately I am unable to post the link since I am a junior member, but feel free to PM me and I will happily send it to you.

If you PM me, I can approve and post it (if the link is a non-competitor site.)

[sampsonite]

Originally Posted by chane

If you PM me, I can approve and post it (if the link is a non-competitor site.)

PM'd I don't think this site has anything to do with credit repair specifically, but more just preserving peoples privacy in general.

[chane]

Here's the link:

Online Data Vendors and Information Brokers: How to Opt Out

[nitro69]

I took a look at the site Chane posted. There is a lot of companies to op-out from. If all of these companies do or do not have our personal info and then sell our info to other companies, no wonder personal ID & info is such a problem. If there are so many companies in this business there must be some good money for selling personal info. I have a real probem with that.

[sampsonite]

Originally Posted by nitro69

I took a look at the site Chane posted. There is a lot of companies to op-out from. If all of these companies do or do not have our personal info and then sell our info to other companies, no wonder personal ID & info is such a problem. If there are so many companies in this business there must be some good money for selling personal info. I have a real probem with that.

It's a huge business, and I am sure that there are many more than are on that page. Different ones sell different information, some more vital. Every time you fill out a form online, or any form for that matter someone is gaining your information, and chances are selling it! I don't know that I would go through the steps of unsubscribing to every site on there, but definitely read up and pick and choose. From what I know Intelius is probably the biggest issue on there. They have a number where you can fax in your unsubscribe request. The only issue is that every time I have attempted to fax this over to them the transmission has failed. I have never had this happen when sending faxes in the past! God they make it difficult!

[nitro69]

It just burns my a@# knowing that this is happening and these companies are getting away with it. Yesterday I had a phone conversation with TU about how they obtained some info and they advised they receive there info from out side sources ( in other words a third party ).