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http://www.autodealermonthly.com/channel/finance-office/article/story/2018/07/requiring-buyers-to-buy-service-contracts-read-this.aspx?utm_source=email&utm_medium=enewsletter&utm_campaign=20180728-NL-ADT-Enews-BOBCD180722003&omdt=NL-ADT-Enews&omid=1000693576

Justin Volz, special to ProPublic https://www.propublica.org/article/health-insurers-are-vacuuming-up-details-about-you-and-it-could-raise-your-rates?utm_source=newsletter&utm_medium=email&utm_campaign=newsletter_axiosvitals&stream=top "The LexisNexis booth was emblazoned with the slogan “Data. Insight. Action.” The company said it uses 442 non-medical personal attributes to predict a person’s medical costs. Its cache includes more than 78 billion records from more than 10,000 public and proprietary sources, including people’s cellphone numbers, criminal records, bankruptcies, property records, neighborhood safety and more. The information is used to predict patients’ health risks and costs in eight areas, including how often they are likely to visit emergency rooms, their total cost, their pharmacy costs, their motivation to stay healthy and their stress levels. People who downsize their homes tend to have higher health care costs, the company says. As do those whose parents didn’t finish high school. Patients who own more valuable homes are less likely to land back in the hospital within 30 days of their discharge. The company says it has validated its scores against insurance claims and clinical data. But it won’t share its methods and hasn’t published the work in peer-reviewed journals. McCulley, LexisNexis’ director of strategic solutions, said predictions made by the algorithms about patients are based on the combination of the personal attributes. He gave a hypothetical example: A high school dropout who had a recent income loss and doesn’t have a relative nearby might have higher than expected health costs. But couldn’t that same type of person be healthy? I asked. “Sure,” McCulley said, with no apparent dismay at the possibility that the predictions could be wrong. McCulley and others at LexisNexis insist the scores are only used to help patients get the care they need and not to determine how much someone would pay for their health insurance. The company cited three different federal laws that restricted them and their clients from using the scores in that way. But privacy experts said none of the laws cited by the company bar the practice. The company backed off the assertions when I pointed that the laws did not seem to apply. LexisNexis officials also said the company’s contracts expressly prohibit using the analysis to help price insurance plans. They would not provide a contract. But I knew that in at least one instance a company was already testing whether the scores could be used as a pricing tool." https://www.propublica.org/article/health-insurers-are-vacuuming-up-details-about-you-and-it-could-raise-your-rates?utm_source=newsletter&utm_medium=email&utm_campaign=newsletter_axiosvitals&stream=top

Applied with them on 7/10/2018 Experian 732 approve 500

Hello all I am a newbie to this , just started on 6/14/18. pulled d and b and Experian and found I had 3 lines on d and b. with a 65 paydex score. So with that I started reading and reviewing videos on you tube and found some of my approvals are listed.: Uline -100, Quill -200, Grainger -1000, sns 1000, Supply works -1000, Sprint 12 lines no deposit, Amazon 3500.00 net 55, TBC-750 temp credit and rest under review, local Bookstore -$500 does not report, Quiktrip Wex-$4000 gas card, Fleet cor _$500 with a 200 deposit (not sure yet) , Menard pending, Hertz pending, BP pending. They are all slow reporting. I got these all first round probably the trade lines helped. 10 years in business, 800 number, 411 listing, website, good standing with State ,etc

Bottom-Line Upfront: I had an excellent buying experience through Carvana. I made first contact 4/15; they had me approved and scheduled for delivery on 4/23. Cap One Auto Finance delayed delivery of my lien release. (They were very difficult to deal with.). Carvana reps worked with me to get the release expedited and forwarded. They rescheduled my delivery and it was very smooth. They dropped off the new truck, gave me time to test drive it alone. While I was test driving they validated the condition of my trade-in. The delivery rep came to my kitchen table; we signed all docs and he shook my hand and left. I had 7 days (no questions asked) to return the vehicle if I didn't like it. Per recommendations from this board, I took the truck to my local dealer and it received a glowing bill of health. Still skeptical, I took it to a trusted, certified mechanic. He also gave it a very strong bill of health. Carvana took care of registering the vehicle in my home state and they Fedex'd the new stickers to me within two weeks. I received excellent financing (2.1% for 5 years -- I plan to pay it off in 90-days but want the tradeline on my report). I highly recommend this service. No muss - no fuss.

Does anyone know who they are and who they pull?

https://www.wsj.com/articles/auto-lenders-ramp-up-risk-to-win-more-customers-1528639200

Offered without commentary http://thehill.com/policy/finance/386779-house-votes-to-repeal-auto-loan-guidance-setting-new-precedent