Sent in my free credit request. Never received a response from Equifax. Received a response from Transunion and Experian. I need to verify my address even though I have lived here for over two years and they gave the rule that they can pretty much ask whatever they want in order to send something to you.
self-efficacy (selfË-eËÂ·fiÂ·k Â·sÄ) , adj positive subjective assessment of one's ability to cope with a given situation; sense of personal power.
In brief: Ability... ...To evaluate one's own abilities. See: http://en.Wikipedia.Org/wiki/dunning%e2%80%93kruger_effect there's more to it than that, of course, but dunning-kruger is a common failure of self-efficacy.