Experian, Trans Union, Equifax Metro 2 Metro 2 Access is a ripoff, do ot try to atttempt credit file Miramar Beach Florida
Per seeing the report on adding fake accounts, I'm writing this report to inform that all posters of these reports are giving false information.
There is no way to add fake accounts to your credit report. To aquire the the software which processes credit reports using the 'Metro 2" format you need a subscriber code from each of the 3 CRAs.
There is no way to hack these codes because the code has to match the business name, business address, and telephone. You can only obtain a code by signing a Data Furnisher's Agreement with the CRAs.
You have to send the credit reports in batches or else the CRAs will deny the accounts. They verify all the information before accepting the accounts.
You will also need to establish an E-oscar account which will be used as a medium of communication to verify incorrect data and disputes from consumers.
Do not believe anyone who says they can add multiple accounts and tradelines to your credit report. The subscriber codes are specific to each industry and one company can not add an auto loan and a credit card line. These sites are all fraudelent.
I dont why people would lie and claim to have done this when it is almost impossible to pull this off.
J
Takoma Park, Maryland
U.S.A.
1 Updates & Rebuttals
Jason
Wheaton,Illinois,
U.S.A.
Not anymore
#2Consumer Suggestion
Sun, October 15, 2006
Many businesses hadn't converted over to E-Oscar as of 2003 and 2004 when most of the "modifying" of credit files was done. The only way you can accomplish something remotely similar is to have family members in the lending industry who are willing to help out a fellow blood member. Many get away with it to this day. A few get caught.
For those who really feel they are being bilked by the typical credit process, this is a surefire way of making sure you get a fair shot. I had no credit. No bad credit even. I did have 5 to 8 years of on time utility payments which weren't considered into loan applications. Is it fair for me to pay 18 to 25% on a car loan when 8 years of payment history should've afforded me single digit interest? Why should I pay the same as someone who has late pays and open collections.
If they play dirty to make money, then I can play dirty to save money. In today's world, you must do what you can to survive, this includes beating multi-million dollar corporations at their own game.