Equifax just sold off your privacy

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If you are not asking for credit with any company than no one should have the right to pull a credit report without your consent and a your signature with time and date stamp also,I belive that only lawenforcement with proabable cause should be able to look into anyones credit history, other data basis that these debt collectors are doing illegally they should be thrown behind bars Its all bull crap each and every day these nit wits in congress and senate do nothing to protect our freedoms of privacy.we must act on election day.................​..

Your information being supplied to debt collectors is a use full tool in keeping the economy going. I know everyone, including me, thinks that banks have been predatory in their lending practices. That is why we have the Federal Trade Commission, the Consumer Credit Protection Act, Truth in Lending, and Fair Debt Collections Act. The addition of the C.F.P.B. is just additional governmental spending when there are already regulatory bodies to protect citizens. If we want the economy to keep going we need the banks to be able to lend money to people for small businesses, car and housing loans. The banks can't lend if everyone is defaulting on their debts. I realize that most people in debt have had a major life altering experience. Most of the people being called by debt collectors have either gone through a loss of income, major medical incident, divorce, or other life changing event, however if you didn't read and agree with the terms of your credit card or loan you shouldn't have signed the agreement and spent the money. Those of you  that complain you didn't get a full disclosure when you signed up should have declined or demanded it before you signed your personal guarantee to the contract, and if you still want to complain that there is no disclosure read the back of every statement you get from the credit cards. Your contract is on the back of them. I am a debt collector. It is an honest living and a job that is vital to the economy when it comes to recovering the losses for the banking industry. The job can be done by treating people with dignity and trying to understand fully what happened to a person that they got behind. The industry is highly monitored. I and the company I work for can be sued for violations of the F.T.C., F.D.C.P.A. and the C.C.P.A. I do my job with integrity and I need the tools of a person's credit report to know when someone is lying to me. Do you think it is fair for a person to not pay their credit card and go buy a new Sports car worth over 50,000.00 instead of paying a debt back? Should people be allowed to go on expensive family vacations when they could have paid off their debt instead? The information provided to me in a Credit Report lets me decide how I can best help a card member repay a debt and get them out of a financial crisis. You should really be concerned with Debt Settlement Agencies and the laws  that govern them. Research the kinds of terms they operate under and you will see real predatory practices that will blow your mind. Promises of settling your debt out for twenty cents on the dollar when it cant be done and it's in the agreement along with the fact that several banking institutions wont deal with Debt Settlement Agencies. The bottom line is we are responsible for the choices we make, our spending habits, and the fact that we live beyond our means as average Americans. As far as Identity theft is concerned, most of it is caused by relatives, and dishonest people in the retail industry. Anyone that really wants to target a person for their data and has advanced computer skills will get your data. So suck it up. Quit complaining and live within your means. If a life  altering experience has put you in debt and it is not your fault, which is usually the case, work with those that are willing to treat you fairly. Do your do diligence on researching alternatives before filing a bankruptcy or just not paying your bills. There are ways to get out of debt. Granted it will be a blow to your current life style and you will have to make sacrifices but life is not fair. Be glad you don't live in a third world country. Yes our government needs monitoring and a lot of change, but if you think we have it bad as far as Big Brother is concerned than you have not watched the international news lately.  I would like to hear your responses to my comments as the original topic was the providing of credit information to debt collectors.

So is there a list of all government lawmakers who have Equifax/ credit scores info I can see before they run for office?

Perhaps back round checks AND credit scores for all the law makers should be made public?

If they want to make those laws then they should hold them high and let us all see just what kind of bandit's are helping still to bail out big banks and big business.

God help us all is all I can say.