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My issue is not with 3rd party credit checks per se.
I do have a real problem, though, with the likes of Equifax:
a) selling their reports to the subjects thereof when that data should be freely available to them.
and especially:
b) selling people credit products from some "carefully selected" usurer or other by telling them that signing up for those products will improve the credit scores that they create. The message is basically "Sorry, Mr. Pleb, your credit rating, as judged by us, is a bit sub-prime at the minute but don't worry, if you sign up to this 1350% APR credit card, we'll knock it up by a point or two. Thanks for the commish, love from your great buddies at Equifax. P.S. Don't forget to keep paying us a monthly subscription so we can provide you with even more amazing offers!"
98.4% of statistics are made up on the spot.
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Funny Story:
Long ago in order to increase my chances of getting a good mortgage deal, I signed up with Experian here in the UK.
I never really intended to keep the thing going, and it was enough that I could show the lender I'd joined an agency (As well as getting insured for EVERYTHING  ) for them to give me the mortgage (This was literally months before the 2008 Banking collapse).
Anyway, since I never really intended to stick with them, I used duff data where possible, such as 0123456789 for my phone number, and an old Yahoo disposable email that I use for sending all my junk email too.
Fast forward to today, I still have the account, because as Iv'e found out, it's actually quite useful to be able to print off a credit score every now and then and wave it in front of HP providers etc.
Beacuse of this, over the years I changed my email to a more upto date one, and filled in at least my fixed line number.
Here's where it gets amusing.
I can guarantee I get about 5 or 6 "MAJOR THREAT" alerts from the company, per month, alerting me to the fact there has been a "MAJOR BREECH" of my personal and private data, and that they are doing everything they can to contain it, so that I don't get affected by identity fraud.
The alerts?
There all any time some one uses "0123456789" as a telephone number, or provides "me, 1 a house, a street, a town, AB1 2CD" as an address, in some credit check, or if these details are found on line 
They are still watching for my up dated details too, and Iv'e had a couple of hits on my land line, over the years, but that initial data I entered keeps coming back to haunt me....
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Peter Shaw wrote: I can guarantee I get about 5 or 6 "MAJOR THREAT" alerts from the company, per month, alerting me to the fact there has been a "MAJOR BREECH" of my personal and private data, and that they are doing everything they can to contain it, so that I don't get affected by identity fraud.
The alerts?
There all any time some one uses "0123456789" as a telephone number, or provides "me, 1 a house, a street, a town, AB1 2CD" as an address, in some credit check, or if these details are found on line
 Awesome! Thanks, you just made my day .
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In this case, "Haunt" is more amusing than harmful, isn't it?
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It is indeed
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Hi All,
Sorry to sound like a refugge from Game of Thrones but our Xmas party is coming up tonight. Work is slowing. 
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time for a meeting: go out for a coffee with a co-worker, or go home and meet the wife.
Signature ready for installation. Please Reboot now.
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We had ours last week and work is still slow here, All I have to do till new year is a data dictionary and a functional design document and they is as boring as hell.
Every day, thousands of innocent plants are killed by vegetarians.
Help end the violence EAT BACON
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I just had my last message along the lines of "my item didn't arrive, please refund"
How come all the items I order from ebay arrive?
Its not the community it once was years ago. I hope the Lounge doesn't go the same way, or I warn you I will quit.
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KennethKennedy wrote: How come all the items I order from ebay arrive?
A bit like Windows update; how come they always work on my system?
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It reminds me of Windows Me: how come it always worked flawlessly on my system?
GCS d-- s-/++ a- C++++ U+++ P- L+@ E-- W++ N+ o+ K- w+++ O? M-- V? PS+ PE- Y+ PGP t+ 5? X R+++ tv-- b+(+++) DI+++ D++ G e++ h--- ++>+++ y+++* Weapons extension: ma- k++ F+2 X
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the updates work because the system not used for work?
Signature ready for installation. Please Reboot now.
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More importantly it is used for personal gain.
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That brings back the memories, oh the memories.
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Maybe, if you sell weird stuff, you get weird buyers?
... such stuff as dreams are made on
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I sold a Hue Hub, so not too weird.
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I used to buy and sell on eBay. Now I just buy.
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Good advise, I may follow your example, there may be other better options though.
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That's why I use tracked delivery: if it's signed for, I can prove postage, and delivery.
Never had a problem. Mind you, I don't sell much on FleaBay anyway.
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
AntiTwitter: @DalekDave is now a follower!
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Would that actually work if someone tried scamming you? AIUI Fleabay operates under a "the buyer is always right" policy; all they'd need to do is claim the driver delivered it to the wrong spot and someone else forged their signature to steal it.
Did you ever see history portrayed as an old man with a wise brow and pulseless heart, weighing all things in the balance of reason?
Is not rather the genius of history like an eternal, imploring maiden, full of fire, with a burning heart and flaming soul, humanly warm and humanly beautiful?
--Zachris Topelius
Training a telescope on one’s own belly button will only reveal lint. You like that? You go right on staring at it. I prefer looking at galaxies.
-- Sarah Hoyt
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I usually do, in this case I took the risk and offered slightly lower priced postage. Sadly it didn't pay off for the buyer or seller.
I'm sure a tracked parcel will have arrived OK. I wonder if these people search eBay for items offered with no tracked postage option, knowing they can claim it didn't arrive.
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Yeah - I think it discourages "professional claimants" - it's hard to argue with the Royal Mail when they have a signature, date, time, and address of delivery! 
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
AntiTwitter: @DalekDave is now a follower!
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I'm Sorry, I could not read your post... Please resend
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I had breakfast at the space bar, but the tab was astronomic! I won't enter again.
GCS d-- s-/++ a- C++++ U+++ P- L+@ E-- W++ N+ o+ K- w+++ O? M-- V? PS+ PE- Y+ PGP t+ 5? X R+++ tv-- b+(+++) DI+++ D++ G e++ h--- ++>+++ y+++* Weapons extension: ma- k++ F+2 X
modified 21-Dec-17 8:28am.
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