The Credit Data Repository System Violates Our Privacy (formerly RE: Discuss the facts of the potential law not the politics!)

["Bruce Preudhomme" <brucep@pop.kis.net>]

Ginny--That is some good advice!

As far as this list goes and the topics discussed, I don't believe that
everyone needs to agree on every issue but it would be nice to have some
proposed topics and/or a list moderator so that we can engage in some
healthy debates without a lot of politics...

Over the summer a lot of attention has been paid to issues regarding the use
of credit bureau data being used by lenders to raise interest rates, charge
new fees, and to label good paying customers as "credit risks" despite their
good payment history. The issue ultimately revolves around the credit bureau
data repositories, how the data is gathered, the lack of validation, the
lack of regulation over the data, and the design of the system used to
gather, track, correct, and report the data.

It is my opinion that the entire credit data repository "system" violates
our privacy, is used to discriminate, violates one of the founding
principles regarding the presumption of innocence, and is used to segment
our population into classes...

Sincerely,
Bruce Preudhomme, a law abiding, tax paying, American citizen
who believes in the founding principles of this country that declare us
to be INNOCENT until proven guilty, and that guaranty our right to
life, liberty, and the pursuit of happiness...
Been vicitimized by a bank? then Visit
http://www.pcpursuits.com/chevy/default.htm

-----Original Message-----
From: noprivacy@essential.org [mailto:noprivacy@essential.org]On Behalf
Of Ginny Achin
Sent: Monday, August 23, 1999 12:11 PM
To: Multiple recipients of list NOPRIVACY
Subject: Discuss the facts of the potential law not the politics!


Hello!
Quite a surprise to see you guys pop into my e-mail!
It has been a long time.....
Yes, I dropped out back there because the list had
been taken over by voluminous paranoic rantings...........
It was too much negative malarchy to be bothered with it.
I truly enjoyed and appreciated the positive and constructive
contributions, and productive effort we put forward in the
early days of the list, IN SPITE OF G.P................
I just clicked delete on the G.P. entries this time....
If everyone else would do that automatically, rather than
trying to get GP to comprehend something rational, perhaps
it would be good to get the list going again..........

There really are REAL privacy issues out there, such as
that mentioned by Bruce here.........

This past Winter/Spring I was looking into refinancing my home
which is at 9%, (tho' through a private deal, not a bank) ....and
therefore had a credit check run on me.....was actually quite
pleased to discover that I did not exist out there.....tho' this is not
"good for credit" prospects, at least I have not been included in
the mess that is as Bruce has mentioned.   This would be a VERY
good topic for group involvement, with the aim in mind of pushing
government into taking the corrective actions needed to protect
all citizens from the abuse now promulgated by the current state
of credit info. collection and dissemination........
Thanks, Bruce.
And Thanks, too, for telling GP the way of it so clearly and well.
Could we all agree to delete paranoics and thereby be able to
do something constructive with this list?
(-: Ginny Achin

Bruce Preudhomme wrote:

> Any mindless idiot can post a link, why not discuss the facts, the real
> issues, how this law is different than court orders to do wiretaps, search
> and seisures, etc.?!?!?!?!?!?
>
> I fail to see how court order seaches of computers is any more an invasion
> of privacy than court ordered wiretaps, seraches, and search and
seisures...
> You have failed to discuss anything of a factual nature, and have failed
to
> demonstrate how this law invades our privacy. It is targetted at criminals
> and is controlled by court orders...
>
> Sincerely,
> Bruce Preudhomme, a law abiding, tax paying, American citizen
> who believes in the founding principles of this country that declare us
> to be INNOCENT until proven guilty, and that guaranty our right to
> life,liberty, and the pursuit of happiness...
> Been vicitimized by a bank? then Visit
> http://www.pcpursuits.com/chevy/default.htm
>
> -----Original Message-----
> From: noprivacy@essential.org [mailto:noprivacy@essential.org]On Behalf
> Of Greg Peisert
> Sent: Monday, August 23, 1999 7:58 AM
> To: Multiple recipients of list NOPRIVACY
> Subject: Clinton's Latest Outrage
>
> Here are the details on the administrations outrageous proposal to invade
> your privacy. Excellent link. -- Greg P.
>
> http://www.zdnet.com/anchordesk/story/story_3770.html