Experian - Credit Data and ID Theft . . .

[turtlespeed 226]

Why is this relevant?

Well, its because the Obamacare exchanges require you to give them all your information.

Great.

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[yoink 321]

turtlespeed

Why is this relevant?

Well, its because the Obamacare exchanges require you to give them all your information.

Great.

1) Nowhere in that article does it ONCE mention Obamacare.

2) Applying for any private health insurance requires that you provide the same details as you would for Obamacare. In fact, they ask for MORE.

3) There are places which ask for details that could be used for identity theft FAR MORE readily than the Obamacare website... try signing up for 'Christian Mingle', the online dating service. It wants your address, social security number and your bank details - which website do you think is more likely to try and keep the data safe??
Banks, Auto financing, renting a house, even trying to get your credit report ALL require you to give out your social security number.

4) The credit agencies are their own worst enemies when it comes to identity theft - I'm dealing with them for exactly that at the moment and they're asking stuff like 'please go to Postal Annex and FAX your Social security to this number'... and have then given me the WRONG number... Nevermind that it's asking a 3rd party to scan and store your information.



You're getting almost as far out as Ron on some of these, Turtle. Not everything in the world is linked to Obama or the ACA...

[ryoder 1,590]

turtlespeed

Why is this relevant?

Well, its because the Obamacare exchanges require you to give them all your information.

Great.

Have you ever applied for private health insurance?
I have.

Have you ever applied for "Obamacare"?
I have.

The information the latter asks for is about ONE TENTH of what the former wants.

"There are only three things of value: younger women, faster airplanes, and bigger crocodiles" - Arthur Jones.

[turtlespeed 226]

ryoder

***Why is this relevant?

Well, its because the Obamacare exchanges require you to give them all your information.

Great.

Have you ever applied for private health insurance?
I have.

Have you ever applied for "Obamacare"?
I have.

The information the latter asks for is about ONE TENTH of what the former wants.

So its good that they were selling the info then, cuz, you know, you don't have to fill out as much on Obamacare.

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[yoink 321]

turtlespeed

So its good that they were selling the info then, cuz, you know, you don't have to fill out as much on Obamacare.

I'm still not seeing where you rationally link this to Obamacare.

The way it works:

Lots of sources provide information to the credit reporting agencies. Banks, Car financing, store card applications, credit cards - anywhere that might be interested to see if you're trustworthy... Maybe Obamacare does, maybe it doesn't. I'd be interested to see your proof.
I suspect not as this article explains: http://finance.yahoo.com/news/mythbusting-credit-check-obamacare-140008957.html

Experian sold its data to a third party which used it for criminal purposes. Nothing to do with Obamacare....


If you're going to go crazy about systems providing data to the credit agencies, go and complain to your bank manager or your mortgage lender.

[rushmc 23]

Quote

If you're going to go crazy about systems providing data to the credit agencies, go and complain to your bank manager or your mortgage lender.

Actually
I would complain to the gov as this reporting is a gov requirment

"America will never be destroyed from the outside,
if we falter and lose our freedoms,
it will be because we destroyed ourselves."
Abraham Lincoln

[labrys 0]

Quote

I would complain to the gov as this reporting is a gov requirment

Really?

Edit to add info. You really shouldn't tell such lies.

http://www.bankrate.com/finance/credit/lenders-report-credit-bureaus.aspx

Owned by Remi #?

[turtlespeed 226]

yoink

***
So its good that they were selling the info then, cuz, you know, you don't have to fill out as much on Obamacare.

I'm still not seeing where you rationally link this to Obamacare.

The way it works:

Lots of sources provide information to the credit reporting agencies. Banks, Car financing, store card applications, credit cards - anywhere that might be interested to see if you're trustworthy... Maybe Obamacare does, maybe it doesn't. I'd be interested to see your proof.
I suspect not as this article explains: http://finance.yahoo.com/news/mythbusting-credit-check-obamacare-140008957.html

Experian sold its data to a third party which used it for criminal purposes. Nothing to do with Obamacare....


If you're going to go crazy about systems providing data to the credit agencies, go and complain to your bank manager or your mortgage lender.

LOL.

OK, so Experian collects your information, from the Healthcare.gov website, and sells it. That is ok for you, huh?

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[lummy 4]

Where did it say that Experian is collecting info from healthcare.gov?

I promise not to TP Davis under canopy.. I promise not to TP Davis under canopy.. eat sushi, get smoochieTTK#1

[champu 1]

labrys

Quote

I would complain to the gov as this reporting is a gov requirment

Really?

Edit to add info. You really shouldn't tell such lies.

http://www.bankrate.com/finance/credit/lenders-report-credit-bureaus.aspx

Yeah, I was going to jump on that too. Nobody has to say crap to the credit bureaus. The only requriements are that if someone is going to say something negative about you to the credit bureaus they have to tell you about it directly as well. And if you review your credit report and dispute something, they have to retract or defend it within (I think) 30 days.

Credit cards, mortgages, and auto loans are about the only thing that you can count on showing up on your credit report regardless of whether they are good or bad. They have a more vested interest in your credit report containing as much useful information as possible, because for them it actually determines features of the financial instrument they're going to sell you.

Cell phone providers, landlords, utility companies, car insurance... they'll run a credit check, but they're mostly just looking for a go/no-go. I think most reserve reporting as a form of leverage to get you to pay and couldn't be bothered to report when you do make payments. I've never had a rent/utility/insurance account not be in good standing, and I've never seen any information about said accounts on my credit report.

I've always carried health insurance through employers (I've never had an individual plan) so I'm not sure which of these two groups they or the ACA exchanges would fall into. My guess would be the latter. But either way, claims that Experian is going to get info they didn't already have that would put you at risk of identity theft because you entered it on a healthcare.gov website make absolutely no sense, and demonstrate a rather profound ignorance of how credit bureaus work.

[yoink 321]

turtlespeed

OK, so Experian collects your information, from the Healthcare.gov website, and sells it.

Where is your source for this?


Even if it's true, then NO, I'm obviously not OK with it. But my complaint would be with Experian. It would be THEM selling the info.


But as I've already shown, credit agencies don't collect information from health insurance providers.


Googling it shows that a florida TV station misreported the facts and has since said

"“After receiving numerous emails about the story, Local 6 contacted Packham on Wednesday, and she said her statement was incorrect, adding that users do not need their credit scores to apply for the Affordable Care Act,” the station wrote. “Local 6 is investigating how the person in charge of providing information about the Affordable Care Act could make such an error.”"

and even after that, it's a credit check. they're not providing information - it's Experian who would be providing the information TO healthcare.gov.


Those pesky facts. Always getting in the way of a good storm in a teacup, eh?

[kallend 2,150]

Your ODS is out of control.

...

The only sure way to survive a canopy collision is not to have one.

[rushmc 23]

labrys

Quote

I would complain to the gov as this reporting is a gov requirment

Really?

Edit to add info. You really shouldn't tell such lies.

http://www.bankrate.com/finance/credit/lenders-report-credit-bureaus.aspx

My bad
They have to report to government agencies
(example, if some one get $10K in cash from a bank, that bank has to report that to a government agency)
But not to credit agencies

"America will never be destroyed from the outside,
if we falter and lose our freedoms,
it will be because we destroyed ourselves."
Abraham Lincoln

[jakee 1,596]

Quote

So its good that they were selling the info then, cuz, you know, you don't have to fill out as much on Obamacare.

I'm going to need you to go ahead and show the logic that leads to that statement, OK? That'd be great.

Do you want to have an ideagasm?

[turtlespeed 226]

yoink

Those pesky facts. Always getting in the way of a good storm in a teacup, eh?

Uh huh

Quote

Weaver and Radnofsky say that the core problem stems from “the slate of registration systems [that] intersect with Oracle Identity Manager, a software component embedded in a government identity-checking system.” The main Healthcare.gov web page collects information using the CGI Group technology. Then that data is transferred to a system built by Quailty Software Services. QSS then sends data to Experian, the credit-history firm.

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[lummy 4]

Where are you sourcing this from? I can't find anything that quote in the original article you cited.

I promise not to TP Davis under canopy.. I promise not to TP Davis under canopy.. eat sushi, get smoochieTTK#1

[yoink 321]

turtlespeed

QSS then sends data to Experian, the credit-history firm.

but you have no idea WHAT data.


In order to do a credit check, for example, it would send a SS number, name and address (I would assume). This then gets crosschecked with Experian and the credit score sent back - it's a Lookup function.

You, however maintain that Experian are using the healthcare system as a vehicle to BUILD their information database. Taking that request from healthcare.gov, storing information that they didn't previously have and then are selling it on.

Show us the source for that information - it shouldn't be hard. Unless it's entirely supposition on your part...


and even if it's true, the selling of the information is STILL nothing to do with Obamacare. Unless you want to lump in every other credit reporting function with them, you know, all the other people who DO provide information to the credit agencies.

[GeorgiaDon 380]

lummy

Where are you sourcing this from? I can't find anything that quote in the original article you cited.

The quote is from an article in Forbes magazine.

The article makes the argument that the problems with the ACA web site stems from a decision to have the site factor in the federal subsidies before showing people the cost of the various health care plans, in order to minimize the "sticker shock" of seeing the unsubsidized cost. In order to calculate the amount of subsidy a subscriber would receive, the site needs to obtain and verify information including income and age. This is why people have to create an account first, before they can even browse the choices. The verification process involves cross-checking the data against various databases, including (apparently) credit reporting agencies. This process is very computationally demanding, which is what slows everything down and has caused the system to crash. The more efficient system would have been to allow people to browse first, then register and do the subsidy calculations for only one choice at a time instead of all the possible choices, but that (so the argument goes) would have meant disclosing the unsubsidized cost up front, and the fear was that people would not proceed beyond that point due to "sticker shock".

At any rate, I still don't see how checking your information against Experian allows them to take that data and sell it to third parties. If they did do that, I would fault Experian not healthcare.gov. Similarly if I apply for a mortgage I expect the bank to check my credit rating, and if the credit agency sells my information I wouldn't hold the bank liable for that.

Don

_____________________________________
Tolerance is the cost we must pay for our adventure in liberty. (Dworkin, 1996)
“Education is not filling a bucket, but lighting a fire.” (Yeats)

[turtlespeed 226]

lummy

Where are you sourcing this from? I can't find anything that quote in the original article you cited.

Here is a source . . .

It was a forbes article.

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[turtlespeed 226]

Quote

At any rate, I still don't see how checking your information against Experian allows them to take that data and sell it to third parties.

And yours, and everyone elses info would be more secure if this piece of crap legislation never happened.

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[Bignugget 0]

Are you still going to be able to afford internet when your higher premiums kick in?

[turtlespeed 226]

Bignugget

Are you still going to be able to afford internet when your higher premiums kick in?

Nope - I'm going a different route.

I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama
BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun

[Bignugget 0]

Then I support the ACA and all it's glory.