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Subject:
How can I get a credit report on a person who is not a relative of mine
Category: Reference, Education and News > General Reference Asked by: inquiringmind003-ga List Price: $15.00 |
Posted:
20 May 2005 06:33 PDT
Expires: 19 Jun 2005 06:33 PDT Question ID: 523679 |
I want to use the internet to buy a credit report on a person in order to find out if they have bad debts or excessive credit card bills in arrears, etc. I want to be very sure that I do this in a completely legal way. I want at least one URL of a reputable, legitimate website where I can buy a credit report on another person who is not related to me that will show their debts, their credit record, etc. with as much detail as possible. I want this information because of litigation I may become involved in. I could have a lawyer get the information but that would involve excessive charges from the lawyer that I don't want to pay if I don't have to. I prefer instead to (legally) obtain the information and then present it to the lawyer. Getting the person who I want the credit report about to agree to let me see it is impossible. It is also not feasible to get a court order or anything like that. I simply need to be able to get the credit report myself using my own efforts. I would ideally want to see a ten year history or even longer, if possible. I know the person's social security number and address and name. Obviously, if the cost of the report is excessive then I might as well just hire a lawyer. I was hoping to get a very thorough credit report for a price under $100. For that I would expect a really good report. |
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There is no answer at this time. |
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Subject:
Re: How can I get a credit report on a person who is not a relative of mine
From: gamesaint-ga on 20 May 2005 07:24 PDT |
The short answer is that you won't be able to obtain an actual credit report on an individual without their permission. Even lawyers are under severe pressure when attempting to obtain credit information for use in lawsuits. In a lot of cases, unless you are a direct collector on a debt owed to you, you're probably not going to have much luck, even with a lawyers Per the American Bar Association Journal: [blockqoute]For starters, the FCRA makes it unlawful for an attorney to order a credit report to uncover information about the other side in a civil lawsuit ? meaning it can?t be requested as part of the proverbial discovery ?fishing expedition,? says Columbus, Ohio, lawyer Jeffrey Langer, who chairs the ABA?s Consumer Financial Services Committee. Yet the FCRA does allow attorneys to obtain credit reports on opposing litigants to review or collect on an existing credit account. And once a judgment is secured against an individual, the Federal Trade Commission says a debtor/creditor relationship has been established, giving the attorney who is seeking to collect on the judgment a green light to get a credit report on the judgment debtor. [/blockquote] Beyond that, even the slightest details of a credit report must be carefully entered into court as evidence, since information entered without redaction could potentially leave a litigants financial record a matter of PUBLIC record, which would give them recourse to push litigation against you. If you attempt to obtain a credit report, through a lawyer or otherwise, be sure that you are completely within the framework of the Fair Credit Reporting Act. Straying even a little from the exceptions outlined in that Act will open you AND your attorney to litigation, and judges have no problem awarding both real and punitive awards to individuals whose rights have been violated under the FCRA. I would recommend in this case consulting a legal expert, and making sure it's done right. |
Subject:
Re: How can I get a credit report on a person who is not a relative of mine
From: inquiringmind003-ga on 20 May 2005 07:49 PDT |
Thank you very much for your comment. I will take your advice utterly, and not pursue the matter in the absense of a legal opinion that it's okay. Again, thank you very much. I'm going to leave the question as opposed to canceling it just in case some really useful information appears in an answer about something I can still do that is completely above board, but I sure as heck won't do anything that is not squeeky clean and legal. |
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