"We would hope check credit score Twin falls they don't reopen this program until they work things out. And we think they should have a system so people can check credit score Twin falls opt out of having their information check credit score Twin falls available electronically." Marty Abrams, Experian's vice president for information policy, acknowledged Friday afternoon that the Federal check credit score Twin falls Trade Commission already has asked for a report on the incident and said the company has replied in writing and in a telephone conversation. Abrams also said check credit score Twin falls Experian, formerly TRW Information Systems & Services, has voluntarily closed down the site while it reviews the operating software. The reports were transmitted after more than 2,000 people requested copies of their personal credit files in an 11-hour period that ended at 9 a.m. Only 213 reports were delivered online, he said, and the company is still trying to determine check credit score Twin falls how many of them were check credit score Twin falls sent to the wrong people. "We are calling everyone by telephone to see how many got the wrong file." The problem occurred when check credit score Twin falls Experian's newly developed software for managing the Internet request site check credit score Twin falls failed to disperse reports in the order in which the requests had been taken. free credit report for military
"It'check credit score Twin falls s like a fast-food restaurant with 20 lines," said Abrams. "People place their order and step aside, so the next person in line can step up to the counter. If the order takers get overwhelmed, they can start giving the people waiting in line the check credit score Twin falls wrong orders." Experian started the program check credit score Twin falls after discussing it with consumer check credit score Twin falls and privacy groups and the FTC, check credit score Twin falls he said. The company designed a six-step security system that requires consumers to provide their name, address, Social Security number, birth date and two credit account numbers in order to receive an electronic copy of their credit reports. The check credit score Twin falls company also has had an check credit score Twin falls electronic delivery system for business credit reports in place for months, Abrams said. free credit reports government
The business reports don't raise the privacy issues or pose the security problems that have accompanied the effort to put consumer reports online, he said. Experian is one of the world'check credit score Twin falls s largest credit information providers. The company was formed in 1996 when it was spun off by TRW and merged with CCN Group, Europe's largest credit reference agency. Experian launched its Internet site with no fanfare Wednesday evening. Abrams said the "soft launch" check credit score Twin falls was ordered so the company could quickly find and fix any problems not identified in prelaunch testing before heavy volume created a nightmare. News reports about the new service apparently caught consumers' attention and prompted the deluge of requests that caused Friday's breakdown. Before Experian launched the site, the company had received more than 20,check credit score Twin falls 000 consumer requests to provide credit reports on the Internet, Abrams said. "We are in a market driven by immediacy," Abrams said. "check credit score Twin falls We need to respond to that demand for immediacy in a secure and safe manner." Under Experian's now-delayed program, consumers pay a fee--charged via the Internet to one of their credit cards--for an check credit score Twin falls electronic report that provides information about their loans, payment patterns, past addresses and other details. annual credit report request form Fees vary according to state law, ranging from $8 in most states to as low as $5.25 in Maryland.
The data transmission is encrypted to prevent Internet eavesdroppers from intercepting it. Other large credit information providers, such as Equifax Inc.
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