It's My Information, Isn't It?
Join 1000's of Authors at StreetArticles Today!

Am I the only person that believes that each person is entitled to their personal information, personal credit portfolio, and their own identity information free of charge? After all it is their own personal information. p> I believe that creditors should have to pay each and every person anytime they,(the creditors), request a report of your credit

I also believe that a person should have access to that information, the same exact information that the reporting agency has on their computer screens, not just a print out of the information they want to give you. Even if it is read only mode. Unable for you to modify, of course.

People should have their birth, marriage, divorce, death certificates free. At least the first or second you obtain.

Along with that, I believe you should be able to get the original and the hall of records should have a copy of the original.

It makes no sense what-so-ever as to why people have to pay to get information about themselves.

Everthing in this world cost money. The cost of even basic items like groceries have increased extremely in the past 10 years.

The excuse the news reported was because of gas prices. Well, gas has gone down. So, why hasn't the cost of food?

The cost of medical, dental, housing, even going to family oriented places have risen so much many people can barely afford it.

Both parents are working full time just so they can afford to live a life that they say is normal and necessary to be happy. On top of all that people have to pay $30, $50, up to $100 for papers with their own personal information.

If you ask me there is something seriously wrong with all of these charges and fees we have. Like interest, someone is late on a bill because they can't pay, so add more money to what they already owe and maybe that will enable that person to pay now. What?! How does that even make the slightest sense.

Some have argued, "it is what pays for the employees jobs to get the information to someone". In this day and age of digital and internet, it doesn't take much to push a button or retrieve a file from a filing cabinet.

These days they check your information, credit report for everything from getting a loan to applying for a job. Each time they do check it goes on your credit as negative. Why?

Maybe if there were less charges and fees and interest families would have more of their hard earned money to actually enjoy their family instead of always stressing on bills and things that have a price that should not have one.

Just a side note: I am a normal person living in this money and power driven country. This is only me ranting and stating my opinion. I am not a professional in any way. This is all pure opinion. Please feel free to comment and/ or criticize this article.


Street Talk

No comments present
You May Also Like
Insane Interest Free Periods
I firmly believe the credit card firms should be held accountable to some degree for consumers Now, in theory, these are fantastic, IF you are disciplined enough to use it ONLY for that duration. Nowadays we are seeing up to 40 months interest free options, that's more than 3 years!…
By: Dave Page in  Finance  >  Credit   May 28, 2016  
0
  Likes: 0

Benefit Of Getting Easy Personal Loan In Singapore
In the past years, it may be difficult to take out a loan from a bank. But now, it is easy to get cash help from the money lenders. If you are faced with personal financial situation, it is important to find a good lender. The benefits of getting easy…
By: creditexcel1 in  Finance  >  Credit   Apr 18, 2016  
0
  Likes: 0

Seamless Chex: Your Fastest Way To Accept Check Payments Online
Do you want to have your check processed in a shorter period but can’t find any bank to do it for you? Worry no more because here comes Seamless Chex that provides a faster way of check payment processing. In as quickly as 60 seconds or less, you can already…
By: Ryan Steyn in  Finance  >  Credit   Apr 15, 2016  
0
  Likes: 0

Credit Repair to Get the Clean Chit for the Credits And Loans
When we plan to make the make the payment using someone else’s money is in simply terms a credit. Whenever a person applies for a loan or mortgage or even a credit card, it is the fact that they getting the borrowed money from someone who has deposited the money…
By: Smith Davidson in  Finance  >  Credit   Apr 02, 2016  
0
  Likes: 0

Born2invest As A Storytelling App
There’s something classy about the Born2Invest app. It’s neat, simple, and professional. Unlike any of its competitors, it is deprived of useless web elements typically found in a content curation app. “It is very undemanding and navigable,” said one tech journalist during the app’s official launch in Manila last July.…
By: Arturo Garcia in  Finance  >  Credit   Mar 11, 2016  
0
  Likes: 0

Find Out About Zone Voucher LTD
People have an increased interest in electronic money, because it has become more valuable than ever and although more and larger retail shops have accepted payment with e-wallet, buying coins and money of all kind is not an easy job. This is where Zone voucher LTD comes in discussion, offering…
By: Sheraton Veranda in  Finance  >  Credit   Feb 19, 2016  
0
  Likes: 0

Why Corporatecashcreditcom Is So Focused on the 80 Paydex Score
Like many others, you might be wondering why Corporate Cash Credit places so much emphasis on helping clients achieve an 80 Paydex score. Well, unless you are business owners you probably don’t know why an 80 Paydex is so important. Corporate credit is different than personal credit, but businesses must…
By: Cristia in  Finance  >  Credit   Jan 21, 2016  
0
  Likes: 0

Trans union credit reporting for redress
Trans union credit reporting agency was founded in 1968. In the year 2009, Trans union credit reporting agency could boast of maintaining credit histories of about 500 million consumers in the world over. This information is in line with what's on their web site. No doubt, credit histories can help…
By: Mad Marketer in  Finance  >  Credit   Dec 24, 2010  
0
  Likes: 0

Your Credit Cards And Allowing Your Teenagers Access to Them
You carry your credit card around with you for making payments. It is a better option than carrying large sums of money when you go shopping and dining. At times when you are so preoccupied with your work, you may have to send your teenagers to do your shopping for…
By: harold harry in  Finance  >  Credit   Apr 23, 2013  
0
  Likes: 0

Improving Your Credit-simple Steps to Repairing Credit And Improving Your Credit Cores
We all strive to maintain a good credit history and no one sets out to have bad credit. However, circumstances in our lives may leave with no other alternative.  It could be as a result of illness, death in the family, loss of employment, injury, or whatever the case you…
By: Paul Matos in  Finance  >  Credit   Mar 07, 2011  
0
  Likes: 0

Questions to Ask Your Bank to Find the Best Credit Card for Your Lifestyle
If you are looking for the best credit card for your lifestyle, it’s rather difficult making a choice as there are hundreds of cards available in the market. These cards come with varying combinations of fees, benefits and interest rates. It’s thus better to ask the different banks for this…
By: maddoxpaul in  Finance  >  Credit   Apr 22, 2013  
0
  Likes: 0

The Safety Of Buying Online
With its speed and convenience, making payments online through payment gateways has become an increasingly popular method of taking care of our day to day purchases and payments. There are those who are hesitant to take this step, having been scared off by worries about identity theft and the general…
By: Natalia7 in  Finance  >  Credit   May 02, 2014  
0
  Likes: 0

Are Credit Monitoring Services For Me?
Consumers who seek ways to improve credit scores may be offered a vast amount of products and services as they search online. These services may allow them to obtain their credit report, their credit scores, assist them in finding ways to improve credit scores and also help them keep regular…
By: Ron Estel in  Finance  >  Credit   Nov 11, 2011  
0
  Likes: 1

Online Payday Loans – To Get Cash for Instant Monetary Support
You need to borrow money for that urgency. So, the borrowed funds are required to be up to you at a certain time. Rather than making personal visits to a lending institution, it would be good whenever the application for the loan is created online. Payday loans online is carved…
By: katherinenewman in  Finance  >  Credit   Jul 01, 2015  
0
  Likes: 0

Repairing Bad Credit History - Do It Yourself
Hello, I’m going to get right to the point here, “you need credit help”. How do I know this? Because you have searched for ways increase your credit score. So with that out of the way let’s see what we can come up with in repairing bad credit history. What…
By: Dave Swanson in  Finance  >  Credit   Mar 04, 2014  
0
  Likes: 0

Article Views: 731    Report this Article