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Ever wonder how companies find out so much knowledge about you? How you end up on e mail lists or in databases? One of the ways that happens is that Credit agencies sell your personal data. For instance, companies who have a name and address, or an e mail address for a potential customer, but lack other knowledge will purchase the rest from credit agencies. Large corporations buy documents which include the number of cars you own, your mortgage info, square footage of your house, your employer etc. So for example, Home Depot is wanting to conduct an mail campaign and track its customers who

receive the mail both for online purchases and offline purchases. In order to populate their lists, they will use data from their customer databases. However, whether they have customer name’s and address, but no mail, they will contact credit agencies and purchase the e mail data that is associated with the name and address Home Depot provides. After they purchase your e mail address and correlate it with your address, they send you the newsletter.

Kind of scary how companies can purchase personal info. And how do the credit agencies get that data? Your mortgage application.

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