Appreciate your post. It caused me to go back and take another look at my EWS report:
Executive summary
Either I’m not really qualified to evaluate my EWS report or else it is rather a goose egg.
Further comment
I do business with a great many financial institutions. In some instances matters are quiet or nearly dormant. In other instances, quite a few, business is extremely active and ongoing.
The EWS report contains many entries from financial institutions where things are mostly quiet. It contains virtually no entries from financial institutions which are focus points of my financial activity. Hence, my initial reaction upon receiving the report beginning of December was: Ho Hum.
For example, I move tens of thousands of dollars via ACH routinely, more than that actually on a constant, ongoing basis. EWS reports a single ACH funds movement of $1.00, I swear to God I’m not making that up, as reported by Citizens Bank. Crazy
Later in the EWS report it has a category headed as follows:
The following section refers to inquiries made as a result of your opening or attempting to open a bank account. The number of these inquiries may adversely affect your consumer report.
Naturally that got my attention. But listed in that category are just several inquiries from a bank where, despite having accounts, I do very little ongoing business. None of the “big dogs” in my financial life are mentioned at all.
Anyway, like I already said, perhaps I’m missing something. But otherwise my EWS report is just a big nothing burger.
Oops, I very nearly forgot:
The last page of my EWS report has a category entitled:
The following entities have accessed information about you in the last twelve months . . . . .
Only two “entities” are listed there, neither of which is in the least important to my financial dealings . . . or welfare. So who cares!