began just before the dawn of the 20th century as the old Atlanta credit bureau.
Called "Retail Credit Company" in those days, it eventually bought almost all
the other bureaus throughout the American south and at one point even employed
Welcome Wagon ladies to spy for them. Nicely coifed women bearing coupons and
other gifts would greet the new neighbors and then make careful notes for
headquarters regarding demeanor, employment, race, religion, national origin,
whether the smell of alcohol was detected, and other subjective items deemed in
those days to correlate with credit risk. By the time the first version of the
Fair Credit Reporting Act was passed in 1971, "Retail Credit" deeply desired to
shed its besmirched name and reputation, so its bland new corporate moniker
Equifax was installed and history was duly forgotten.
The TransUnion we know today began when a railcar leasing company by that name decided in 1969 to buy Chicago's ancient bureau, the Credit Bureau of Cook County, and then subsequently gobbled every other local bureau they could through the 1970s and 1980s. Interestingly, TransUnion today is privately owned by the famous Pritzker family (of Hyatt Hotels fame) and their tony friends through a mysterious-sounding multi-billion dollar entity called the Marmon Group. Lucky bunch. Apparently, buying and selling personal information about others is a highly profitable enterprise. Perhaps the Pritzker grandchildren will never need to hire Lexington Law Firm to straighten out their credit reports.
Hey, here's a novel idea. What if the Home Shopping Network suddenly owned a major credit bureau? You'd certainly trust those folks with your financial future, surely. Well, enter England's home shopping colossus, the Great Universal Stores group of companies. They now own Experian outright, one hundred percent, down to the last toilet. And, with that, the "vital American institution" notion is forever flushed away. Experian was originally formed when two other monolithic consumer reporting entities, TRW and Chilton, combined, then bought every other similar business they could in California, Texas, and other western states, and finally sold itself to those happy home shopping Brits whose other major business is Kays.com (slogan: "making life easier").
So why do Americans blindly trust three corporate entities with questionable histories and cutthroat profit-seeking motivations to play such a critical role in almost every aspect of their financial lives? And why do consumers sometimes even feel guilty going up against these Orwellian monsters? As a psychologist, it would be so easy now to turn the discussion to topics like groupthink, status quo, and social complacency, but I'll resist those academic explanations in favor of a tighter one: Unfortunately, that's just the way it is.
Of course, by reading this, you've already begun to fight back.
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Even after you have examined our Credit Repair Secrets, and if you still have doubts, in repairing your bad credit, simply put off the remaining payment until you are 100% satisfied that your credit has been restored. We shall not send you any reminders for the balance of the payment, or any additional invoices, and we will give you the benefit of the doubt of being a sincere individual who wishes to learn the credit repair secrets, and will make payment of the balance when you are completely satisfied.
The way we see it is that the information and knowledge we have acquired over the years is worth thousands of dollars, far more than the amount we are charging. After all, this knowledge will stay with you for the rest of your life, and not only can you benefit from it yourself, you will be able to assist your family and friends who are in a similar situation. You get our knowledge at a Super Amazing one-time deposit of $39.00.
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