My money is on TrueCredit, after I signed up with them I had a junk debt collector contact me about a bogus debt from 10 years ago. They showed up as an inquiry on my TransUnion report and when I called they gave me my "True reference #" to access my account. The credit bureaus do work with creditors and collection agencies. They both buy lists from the credit bureaus of people that meet certain profiles. If you pay of debts, the collection agency groups can get some type of alert about it. If you are getting new credit, the other creditors can sign up to get alerts so they can target you. I have also learned to never fill out any information in any of those surveys they make you fill in when you sign up. Like how on TrueCredit they ask if you plan to buy a house, what your income is, etc. I put my income as Zero, etc.
Message Edited by UpUpUp on
08-19-2008 09:28 AM