Gentlemen ; As of XXXX 2007 I closed out a bankruptcy, and sine then have had a very good payment record ; especially in the last XXXX years. I have XXXX accounts, all with payments as agreed. 
To date I had been watching my credit and thought it was getting much better ; till I applied for XXXX different loans. Both acted like I was a liar and absurd in asking! 
After paying {$45.00} more to get all my credit reports I found some most disturbing results from my reports! 
1. The bank finally broke their silence and told me that yes there were some confidential facts that most people do n't understand ; ie that for credit cards, they check with XXXX XXXX who always lists high! ; and for unsecured loans they always check with Eqifax who always reports very low by comparison. Thus high interest cards go through ; and high rick lower interest loans probably wo n't! 
2. Even after paying for the service to get all XXXX reports, then I found out there is whats called a " soft pull '' ( me on line ) ; and a " hard pull '' ; XXXX only available to the bank ) ; and yes they print a disclaimer on the website, but XXXX where I am the member explained that it should be near correct!! NO WAY! The internet of Equifax lists me at XXXX and their bank reporting lists me at XXXX with XXXX pages of remarks. They also include derogatory associations from my employment in XXXX companies 26 and 28 years ago! Which XXXX went into destruction in divorce. 
3. XXXX XXXX was accurate with a score of XXXX ; and is generally correct, and anytime someone checks it my credit is normally approved. 
4XXXX still lists a second identity supposedly used by me ; when in fact they tried to use my credit and I reproted it to all XXXX ; ie XXXX L. XXXX ( real ID ) ; vs. XXXX XXXX ( the liar ID ). The score is much lower at XXXX but is logical with the info Obviously this ca n't be good if they were trying to steal in the first place, and should have been removed 7 years ago. Even after being told then they still list it. 
4. Equifax list as I said, information on XXXX companies from 26, and 28 years ago that died in a hideous divorce ; but they are still XXXX there. And then the original problem the on line score is XXXX vs. bank report of XXXX! and XXXX pages of information I ca n't even get! 
5. I paid off $ XXXX in divorce and closing those XXXX companies : and paid the last, the IRS XXXX in bankruptcy, to stop them from taking my home. And there are literally dozens of poor account records there, but is n't his enough from that? 26 years of fighting to get it off, then someone puts it back on apparently. 
6. Then in general that a consumer has no ideal of the manipulation of his records, and position, possibly to up and justify the bank 's higher interest charges / approvals ; but at the least, the disparity in scores is insane! 
The decent reporting agency, XXXX XXXX lists only recent and relevant info and has removed the old ; while others have not ; resulting in a spread of XXXX to the banks " hard pull of XXXX ''! XXXX POINTS??? DIFFERENCE? 
And finally they all hype on, on, on, on, of their credit monitoring and charge hefty amounts for services that they just present dishonestly! 
I pay for a reasonably accurate report and they full well know it is a lie. The banks see black and we see white. 
People have no authority and they have 110 % to do as they please, and cost $ $ $ to people who do n't even catch on. 
Thanks, XXXX XXXX XXXX