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Hmmm... apart from the requirement to clearly and accurately disclose that a report may be run on you, they also have to certify to the credit reporting agency(-ies) from whom they obtain the report(s) that they provided such disclosure to you. So if they're not being totally up front with you by hiding contracts and running your credit on the DL, they're both lying to you and to the credit reporting agencies, which would open them up to all kinds of civil liability. Not good business.
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