By and large....
I just went on the Equifax website and looked at “free access to my credit”, and it was free for 30 days and then $14.95, no mention of anything.... That was just in the couple of seconds I was looking at it. It might be buried in your website somewhere else.
Isn't that also part of the problem? You're collecting information from individuals. The decisions that you're making are based on what people are giving you. I know it's not you out there saying that this guy's got bad credit. It's based on what the consumers do and we have a responsibility ourselves. I get that.
You're not making these decisions. This is the information that people have uploaded to you and you're putting that on a file, but then they don't have access to it. For some reason or another, consumers feel they don't have access to it, and when they want to access it they have to fill in a form and send it by mail, go to one of your offices that you don't like having, or call on the telephone and wait for it to come to mail, or pay $23 to make sure they're not getting screwed by somebody who stole their identity. Even then, they have to fill in a report, send it back to you, and you get to make the final decision.
How is that something that consumers look forward to?