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The Letters:
Trans Union



Subject: Re: Risk Score
Date: Fri, 05 Sep 1997 11:06:43 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: "Harry Gambill, CEO, Trans Union", hgambill@tuc.com

Subject: Credit score
Date: Sat, 28 Jun 1997 21:58:25 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: Rick Lynch, rlynch@tuc.com

Rick Lynch
Vice President of Resource and Property Management
TransUnion

Will you give me the Emperica score for my credit file?

Ms. Conly refused to give it to me.

Here is our discussion:

Subject: Risk Score
Date: Wed, 18 Jun 1997 03:58:38 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: sconly@tuc.com, sconly@tuc.com

Will you give me the Emperica score for my credit file?

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


Subject: Risk Score
Date: Thu, 19 Jun 1997 02:32:24 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: sconly@tuc.com, sconly@tuc.com

>Subject: Risk Score
> Date: Wed, 18 Jun 1997 03:58:38 -0400
> From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
> To: sconly@tuc.com

>Will you give me the Emperica score for my credit file?

>--
>Greg Fisher
>Cadillac Owner (1978 Eldo)(Red)

There must be something wrong; you must not have gotten my message. It is repeated above.

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


Subject: Risk Score -Reply
Date: Thu, 19 Jun 1997 08:07:59 -0500
From: Susie Conly, sconly@tuc.com
To: gfisherns.gif - 165 Byteserinet.com

All consumer requests must be done in writing to our Consumer Disclosure Center. Credit file information cannot be disclosed over the internet.

National Disclosure Center
P.O. Box 390
Springfield, PA 19064
Consumers Call - 316-636-6100


Subject: Re: Risk Score -Reply
Date: Thu, 19 Jun 1997 12:25:56 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: Susie Conly, sconly@tuc.com

I didn't ask for the score. I asked if you would give it to me. I didn't say I wanted you to give it to me over the internet. But this is encouraging; you didn't say Transunion WILL NOT give me the risk score.

I'll restate the question:

Will you give me the Emperica score for my credit file?

[In other words, do you disclose risk scores to consumers, even if they write to you, or make a phone call to you? You can give me that answer, yes or no, over the internet, can't you?]

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


Subject: Re: Risk Score -Reply -Reply
Date: Thu, 19 Jun 1997 14:57:33 -0500
From: Susie Conly, sconly@tuc.com
To: gfisherns.gif - 165 Byteserinet.com

No, Risk scores are not given to consumers.


Subject: Re: Risk Score -Reply -Reply
Date: Thu, 19 Jun 1997 23:33:16 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: Susie Conly, sconly@tuc.com

Thank you for your cooperation. You were helpful on this level.

What is the person's name who can release the risk score to me? What is their email address?

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


Subject: Re: Risk Score -Reply -Reply -Reply
Date: Fri, 20 Jun 1997 07:27:04 -0500
From: Susie Conly, sconly@tuc.com
To: gfisherns.gif - 165 Byteserinet.com

Mr. Fisher,

There is no such person, risk scores are NOT disclosed to consumers.


Subject: Re: Risk Score -Reply -Reply -Reply
Date: Fri, 20 Jun 1997 10:38:55 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: Susie Conly, sconly@tuc.com

Somebody had to make the decision to not disclose the score to consumers. It might be a committee, your company president, or the chairman of the board--and just as they decided to not disclose it, they can decide to disclose it, too.

What is your supervisor's name, email address (if they have one), and address?

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


Subject: Re: Risk Score -Reply -Reply -Reply -Reply
Date: Fri, 20 Jun 1997 11:51:09 -0500
From: Susie Conly, sconly@tuc.com
To: gfisherns.gif - 165 Byteserinet.com

Please feel free to contact the Consumer Disclosure Center at the address or phone number I have previously provided. I have no further information for you.

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)

Subject: Credit score -Reply
Date: Wed, 02 Jul 1997 11:21:28 -0500
From: Oscar Marquis, omarquis@tuc.com
To: gfisherns.gif - 165 Byteserinet.com
CC: bbotruff@tuc.com

There is no reason to go on with this guy. I don't want to respond to him and have an e-mail correspondence, whther he is a Cadilac owner or not. The best response going forward is no response.

Subject: Re: Credit score -Reply
Date: Thu, 03 Jul 1997 01:29:58 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: Oscar Marquis, omarquis@tuc.com

Oscar Marquis wrote:
>
> There is no reason to go on with this guy. I don't want to respond to him
> and have an e-mail correspondence, whther he is a Cadilac owner or
> not. The best response going forward is no response.

Would you rather have a US Mail correspondence? Why?

What is your position with the company?

Who is B. Botruff?

Who is your supervisor?

You misspelled the words "whether" and "Cadillac." If you are the data entry operator working my file, that error could affect my credit score.

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


Monday, July 7, 1997

There must be something wrong. You didn't reply Thursday.

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)



Tuesday, July 8, 1997

There must be something wrong. You didn't reply Thursday or Monday.

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


Subject: email
Date: Tue, 08 Jul 1997 02:16:01 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: Barry Botruff, bbotruff@tuc.com
CC: omarquis@tuc.com

There must be something wrong. I haven't heard from him. Could you make sure Oscar Marquis is getting my messages?

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


Subject: Re: Credit score -Reply
Date: Tue, 15 Jul 1997
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: Oscar Marquis, omarquis@tuc.com

Are you going to reply?

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)



Mr. Gambill:

Will you give me the Emperica score associated with my credit file?

How do I get the highest score possible?

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


September 12, 1997

Mr. Gambill:

When will you respond?

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)



Subject: Re: Risk Score -Reply
Date: Fri, 12 Sep 1997 09:20:30 -0500
From: Harry Gambill, hgambill@tuc.com
To: gfisherns.gif - 165 Byteserinet.com
CC: omarquis@tuc.com

There is nothing I wish to add to the information provided by our General Counsel last week. I do not intend to reply to additional queries. Repeating the same request to different people within Trans Union is pointless. Thank you.


Subject: Credit scoring
Date: Wed, 20 May 1998 02:15:38 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: commdept@marmon.com

Would you please forward this to Robert A. Pritzker?

Robert A. Pritzker, President
The Marmon Group, Inc.
(which includes Trans Union)
Marmon Holdings, Inc.

To attain the highest credit score (in the score Trans Union produces for conventional mortgage loan underwriting, the "Emperica"), how can I tell what is the right "number of bank revolving accounts"?

Can you, at least, tell me how I can tell how many to add or subtract to avoid the Emperica score giving that as a reason the score is not higher?

If it says, "too few," do I add one? More than one? [full text of all other correspondence attached]


Subject: Re: Credit scoring
Date: Thu, 28 May 1998 00:39:12 -0400
From: Greg Fisher, gfisherns.gif - 165 Byteserinet.com
To: commdept@marmon.com
References: 1

Did you forward this to Mr. Pritzker?

Greg Fisher wrote:

[full text of all other correspondence attached]


Subject: Re: Credit scoring
Date: Fri, 29 May 98 15:03:21 -0500
From: "Communications.Department", commdept@marmon.com
Organization: MARMON
To: gfisherns.gif - 165 Byteserinet.com (Greg Fisher)
Mr. Fisher,

Your message was received and forwarded to Mr. Pritzker. He is looking into it.

Sincerely,

Valeri Vanourek
Communications Coordinator


Subject: Re: Credit scoring
Date: Sat, 22 Aug 1998 09:48:41 -0400
From: Greg Fisher gfisherns.gif - 165 Byteserinet.com
To: "Communications.Department"
References: 1

Mr. Pritzker:

What did you find?

--
Greg Fisher
Cadillac Owner (1978 Eldo)(Red)


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