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 07-13-2006, 07:08 Post: 132084
DenisS



Join Date: May 2006
Location: NJ
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 367

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  At risk of ID theft

If a stolen number can ruin your ability to obtain credit there's obviously something seriously wrong with the whole credit system. How about we eliminate the stupid credit scores as the way to measure the person's credit worthiness? I heard from a guy on the radio - Dave Ramsey - how the lazy creditors only look at the credit scores to establish credit and if you don't have the "right" mix of financial habits, well you don't have good credit. There are some mortgage companies that look at things like your history of mortgage/rent payments and income history to see whether you'll be good for the money they lend you. I think this is a better way to judge credit worthiness.






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 07-14-2006, 08:39 Post: 132141
DenisS



Join Date: May 2006
Location: NJ
TractorPoint Premium Member -- 5 Tractors = Very Frequent Poster
Posts: 367

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  At risk of ID theft

Here is a simple solution to this so-called problem of identity theft: if you don't want your information tempered with, DON'T GIVE IT OUT!!! Cash is still an acceptable form of tender in the US and nothing is stopping you from paying for your purchases in cash and staying away from credit.

I hear some of you complaining about companies who use your personal information for profit (what a surprise - a company trying to make a profit) and asking the government to come in with more regulations and more power to control those companies. Do you see how you are the ones responsible for the growth of government? Every time you run to the government for help, there's payback in your liberties. It's like asking Godfather for a favor, he'll ask you to return that favor sooner or later.

Don't like your information tempered with? Use cash.






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