 Free reports from "specialty" CRA's, Here's a reference |
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 Jan 31 2005, 03:30 PM
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bfarber The Great
 Group: Admin
Posts: 915 Joined: 23-December 04 Member No.: 11,091  |
Still confused or not sure about your free annual report from any specialty CRA? Here is the absolute best reference I have found to date on this right:
http://www.privacyrights.org/fs/fs6b-SpecReports.htm Check it out.  Here are links and info I have compiled thus far. Some data I have obtained from one of the resource threads here, some on my own, and some from the link above. Medical Information Bureau (MIB) http://www.mib.com/html/request_your_record.html 1-866-692-6901 CLUE (ChoicePoint Systems) http://www.choicetrust.com/servlet/com.kx....subchannel=clue 1-866-312-8076 ChexSystems https://www.consumerdebit.com/consumerinfo/...eport/index.htm 1-800-428-9623 ChexSystems Attn: Consumer Relations 7805 Hudson Road, Suite 100 Woodbury, MN 55125 SCAN https://www.consumerdebit.com/consumerinfo/...eport/index.htm 1-800-262-7771 Deposit Payment Protection Services, Inc. Attn: Consumer Referral Services 7805 Hudson Road, Suite 100 Woodbury, MN 55125 Innovis http://www.innovis.com/customer_assistance.htm 1-800-540-2505 Innovis Consumer Assistance P.O. Box 1358 Columbus, OH 43216-1358 LexisNexis/Dolan Information (RiskWise) http://www.banko.com/ http://www.riskwise.com/ 1-800-543-6862 LexisNexis/Dolan Information 100 South 5th Street, Suite 300 Minneapolis, MN 55402 Lakeside (Lombard) Information Resources 1-800-995-2590 1-630-932-3004 Lakeside Information Resources 955 American Lane Schaumburg, IL 60173 Lakeside Information Resources d/b/a Lombard Information Resources, Inc. 360 East 22nd Street Lombard, IL 60148-4924 Note: You must include the top part of IRS Form 1040 with identifying information, a paycheck stub, or W2. National Consumer Telecom & Utilities Exchange (NCTUE) http://www.nctde.com/ 1.888.201.5643 National Consumer Telecommunications Data Exchange, Inc. P.O. Box 167688, Irving, TX 75016 Lightbridge® ProFile® http://www.lightbridge.com 1-800-LIGHTBR Worldwide Headquarters Lightbridge, Inc. 30 Corporate Drive Burlington, MA 01803 Teletrack http://www.teletrack.com/ 1-877-309-5226 155 Technology Pkwy Ste 800 Norcross, GA, 30092 CourthouseDirect.com http://www.courthousedirect.com (713) 683-0314 or (713) 683-0491 Mail: P. O. Box 70558 Houston, Texas 77270 Physical: 9800 Northwest Frwy., Suite 400 Houston, Texas 77092 ISO Insurance Services (A-Plus report) http://www.iso.com/products/2500/prod2562.html 1-800-627-3487 ISO Customer Service Division 545 Washington Boulevard Jersey City, NJ 07310-1686 Safe Rent http://www.saferent.com/ 1-888-272-1920 support@saferent.com UD Registry http://www.udregistry.com/tenant.htm http://www.udregistry.com/pdfs/dForm.pdf 1-888-275-4837 Consumer Relations Dept 11140 Rockville Pike, Suite 100, PMB 1200 Rockville, MD 20852 Telecheck http://www.telecheck.com 1-800-TELECHECK TeleCheck Services, Inc. 5251 Westheimer Houston, Texas 77056 It's also interesting to note that MOST all of the above linked sites, actually state right on them that you are entitled to one report free per every 12 month period. Innovis did not, Lombard/Lakeside did not have a website I could find. Lexis/Nexus was also a toughie, with no notice and no instructions on how to order your report, but they must follow the same rules as everyone else. I had a denial at one point (not a denial, but a higher interest rate, so it counted as a denial) allowing me my RiskWise report. It was squeaky clean. Feel free to respond and add others. 
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| Googie |
Jan 31 2005, 03:30 PM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Jan 31 2005, 03:44 PM
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Group: Admin
Posts: 25,839 Joined: 31-January 03 From: E of the moon, W to the stars Member No.: 4 |
Nice list!
With your permission, I'd like to include it over in the reference forum. Illegitimi Non Carborundum.
Privacy Matters | Shop CB - help pay the bills | Get CB Stuff Current discount code = CPPSAVINGS | free scores and free trial  |
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Jan 31 2005, 03:45 PM
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bfarber The Great
Group: Admin
Posts: 915 Joined: 23-December 04 Member No.: 11,091 |
Sure thing, I'd be honored.
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Jan 31 2005, 04:22 PM
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Group: Admin
Posts: 25,839 Joined: 31-January 03 From: E of the moon, W to the stars Member No.: 4 |
Linked this post in the Database forum, that way any additions will be available both here and in there.
Thanks again! Illegitimi Non Carborundum.
Privacy Matters | Shop CB - help pay the bills | Get CB Stuff Current discount code = CPPSAVINGS | free scores and free trial |
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Jan 31 2005, 05:35 PM
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bfarber The Great
Group: Admin
Posts: 915 Joined: 23-December 04 Member No.: 11,091 |
This association lists over 300 employment screening services:
http://www.napbs.com/ I could not find the list on their website however. Integrity Center Inc http://www.integctr.com/ http://www.integctr.com/CheckMyself/ 1-800-456-1811 2828 Forest Lane Dallas, Texas 75234 Heinsite http://heinsite.com/main.htm 1-706-778-6000 (no toll free #?) Heinsite Services® 372 Habersham Hills Circle Suite 333 Cornelia, Georgia 30531 Accuscreen http://accuscreen.com/ 1-800-689-ACCU 5303 South MacDill Ave. Tampa, Florida 33611 ESR Check http://esrcheck.com/ 1-888-999-4474 Employment Screening Resources (ESR) 7110 Redwood Blvd. Ste C Novato, CA. 94949 Background Information Services Inc http://employeescreen.com/web/welcome.htm 1-800-235-3954 Background Information Services, Inc. 24500 Chagrin Blvd. Cleveland, OH 44122 Verifications Inc http://verificationsinc.com/ 1-800-247-1717 Verifications, Inc. - Headquarters 6900 Wedgwood Road North Suite 120 Minneapolis, MN 55311 Accurate Background 1-800-784-3911 20988 Bake Parkway, Suite 104 Lake Forest CA 92630 InfoLink Screening http://www.infolinkscreening.com/InfoLink/...ntactOther.aspx (818/800) 990-HIRE InfoLink Screening Services, Inc. 9201 Oakdale Avenue, Suite 100 Chatsworth, California 91311-6520 US Search http://www.ussearch.com/consumer/commerce/about/fcra.jsp http://www.ussearch.com/consumer/conwflow?...)&adID=10002107 1-877-327-2410 US SEARCH.com Inc. 600 Corporate Pointe, Suite 220 Culver City, CA 90230 VeriPro http://www.veripro.com/ 1-800-416-2769 Post Office Box 436054 Louisville, Kentucky 40253-6054 HRPlus http://www.hrplus.com/ 1-800-332-PLUS HRPLUS 2902 Evergreen Parkway Evergreen, CO 80439 Compunet Credit Services http://www.compunetcredit.com/home.asp Note: Credit reports for the transportation industry Credit Reporting Alliance http://www.c-r-a.com/ Note: Specialty food and gift industry Coface http://www.coface-usa.com/ Note: International trading on credit Creditntell http://www.creditintel.com/creditntell/index.htm Noe: Company credit ratings Dynamar http://www.dynamar.com/ Note: International shipping on credit Dun and Bradstreet http://www.dnb.com/us/ Note: Business credit reports Kroll Factual Data http://www.factualdata.com/index.html 1-800-929-3400 5200 Hahns Peak Drive Loveland, CO 80538 F&D Reports http://www.fdreports.com/feedback.htm 1-800-789-0123 Information Clearing House 310 East Shore Rd Great Neck, NY 11023 FCIB http://www.fcibglobal.com/ Note: Business and international reports Graydon http://www.graydonamerica.com/ Note: International CRs Kreller Business Information http://www.kreller.com/ Note: International CRs Lumbermens http://www.lumbermenscredit.com/ Note: Lumber industry Lyon Credit Services http://www.lyoncredit.com/ Note: Household and giftware credit MRC Info http://www.mrcinfo.com/NASApp/cs/ContentSe.../CompanyReports Note: International marine Crs Owens Online http://www.owens.com/ Note: International credit Red Book Credit Services http://www.thepacker.com/rbm/default.asp Note: Produce and floral credit Seafax http://www.seafax.com/cgi-bin/WebObjects/Seafax Note: Food industry TransCredit http://www.transcredit.com/ Note: Transportation industry TCE CreditXChange http://www.creditexchange.com/ Note: Transportation industry TruckLoad http://www.truckloadcredit.com/ Note: Transportation industry Whitehall Consultants http://www.whitehallusa.com/ Note: International Wow.....just found some more (see above).  Note that many of them do not specialize in consumer reports, and you won't be getting a personal file from them. I just included the info in case others (who own businesses) might be interested in contacting these specialty CRA's.
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Jan 31 2005, 07:31 PM
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bfarber The Great
Group: Admin
Posts: 915 Joined: 23-December 04 Member No.: 11,091 |
Certegy
http://www.certegy.com/ContactUs.html#USCONSUMER 1-866-543-6315 Do not accept requests via mail for free consumer file |
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Feb 2 2005, 11:56 AM
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bfarber The Great
Group: Admin
Posts: 915 Joined: 23-December 04 Member No.: 11,091 |
CSC: Credit Services
http://www.csc.com/solutions/creditservices/ 1.800.305.7868 Corporate Headquarters 2100 East Grand Avenue El Segundo, CA 90245 Note: They subscribe to Equifax, thus you will be getting an Equfiax CR |
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Feb 2 2005, 12:48 PM
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Group: Members
Posts: 497 Joined: 19-February 04 Member No.: 3,891 |
Lakeside (Lombard) Information Resources
1-800-995-2590 1-630-932-3004 Lakeside Information Resources 955 American Lane Schaumburg, IL 60173 Lakeside Information Resources d/b/a Lombard Information Resources, Inc. 360 East 22nd Street Lombard, IL 60148-4924 Note: You must include the top part of IRS Form 1040 with identifying information, a paycheck stub, or W2. Anyone ever got a report from them? Jason |
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Feb 2 2005, 02:20 PM
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#9
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Group: Members
Posts: 815 Joined: 12-January 05 Member No.: 11,824 |
National Consumer Telecom & Utilities Exchange (NCTUE)
http://www.nctde.com/ 1.888.201.5643 National Consumer Telecommunications Data Exchange, Inc. P.O. Box 167688, Irving, TX 75016 Just called the number and boy was the rep fiesty. She demanded to know how I got their number! I explained under FACT Act, I was exercising my right to inquire if any utility company had information about me in a file. She claimed I had called Equifax and that they are providing this service for NCTUE's files. She took my information and placed me on hold and after two minutes came back on and stated I had nothing on file. She thanked me for calling. Anyone else use this yet? Anyone with a "written" report? |
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Feb 4 2005, 06:33 PM
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bfarber The Great
Group: Admin
Posts: 915 Joined: 23-December 04 Member No.: 11,091 |
LIFT
http://www.getlift.com/Product/ 1.312.528.3984 Convergence Data LLC 20 N. Wacker Drive, Suite 4000 Chicago, IL 60606 Note: No toll free #?!? I already emailed em to find out for sure. AAA Credit Screening Services http://www.aaacredit.net/order_pcr.html 1-888-282-0447 AAA Credit Screening Services 17041 El Camino Real, Suite 102 Houston, TX 77058 CREDCO http://www.credco.com/ First American CREDCO 12395 First American Way Poway, CA 92064 1.800.255.0792 Axciom Corporation http://www.acxiom.com/ Acxiom Corporation 1 Information Way Little Rock, AR 72202 Sales Inquiries - 1.888.3ACXIOM (1.888.322.9466) General Inquiries - 1.501.342.1000 Consumer Privacy Hotline - 1.877.774.2094 |
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Feb 8 2005, 08:05 AM
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bfarber The Great
Group: Admin
Posts: 915 Joined: 23-December 04 Member No.: 11,091 |
Since I can't edit my post now, here is the response I got about the LIFT CR (notice the 800# and instructions to get your free report
):QUOTE Dear Mr.[bfarber],
Thank you for your inquiry. Our updated website includes a new Consumer FAQ section, http://www.getlift.com/Consumer/ which includes our toll-free number (888-211-7047)and instructions to obtain your LIFT report (see below). Please contact me if you have any further questions. Best Regards, Larry Hansen Convergence Data LLC 20 N. Wacker Drive Suite 4000 Chicago, Illinois 60606 How do I receive my free annual credit report under the Fair and Accurate Credit Transaction Act (FACT Act)? Under the FACT Act that went into effect on December 1, 2004, credit reporting agencies (CRA's) and specialty credit reporting agencies (SPCRA's) are required to provide consumers with a free annual credit report within 15 days of the request being made. To receive a credit file disclosure of information Convergence Data may have on file about you, please download the LIFTR Credit Report Order Form http://www.getlift.com/Consumer/LIFT_Report_Request_Form.pdf, fill it out, and send it to us along with a legible photocopy of your drivers license. To protect each consumer's personal information, Convergence Data will only send a copy of an individual's LIFTR Credit Report to the address listed on your driver's license. The LIFTR Credit Report Order Form and a photocopy of your driver's license can be mailed or faxed to: Convergence Data LLC 20 N. Wacker Drive, Suite 4000 Chicago, Illinois 60606 FAX: 312.223.1196 This post has been edited by bfarber: Feb 8 2005, 08:06 AM |
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Feb 8 2005, 10:31 AM
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Group: Members
Posts: 260 Joined: 28-May 04 Member No.: 6,080 |
QUOTE(MistakeOfPast @ Feb 2 2005, 03:20 PM) National Consumer Telecom & Utilities Exchange (NCTUE) http://www.nctde.com/ 1.888.201.5643 National Consumer Telecommunications Data Exchange, Inc. P.O. Box 167688, Irving, TX 75016 Just called the number and boy was the rep fiesty. She demanded to know how I got their number! I explained under FACT Act, I was exercising my right to inquire if any utility company had information about me in a file. She claimed I had called Equifax and that they are providing this service for NCTUE's files. She took my information and placed me on hold and after two minutes came back on and stated I had nothing on file. She thanked me for calling. Anyone else use this yet? Anyone with a "written" report?  I just called them myself to request a copy of my report using the FACT and after 5 mins on hold they tried to sell me claiming the FACT act has not rolled out for the Northeast yet. They wanted 8.50. The rep was not happy when I replied that NJ already has a state law stating that I am allowed a disclousre every 12mos but she did send one out! “You can tell the size of a man by the size of the thing that makes him mad.â€
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Apr 22 2005, 02:21 PM
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Group: Members
Posts: 838 Joined: 20-July 04 From: In the midst of Chaos Member No.: 7,187 |
QUOTE(bfarber @ Feb 2 2005, 12:56 PM) CSC: Credit Services http://www.csc.com/solutions/creditservices/ 1.800.305.7868 Corporate Headquarters 2100 East Grand Avenue El Segundo, CA 90245 Note: They subscribe to Equifax, thus you will be getting an Equfiax CR web address I had to use today was www.csccredit.com This post has been edited by t8rtot: Apr 22 2005, 02:24 PM  |
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Jul 3 2005, 12:06 AM
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#14
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Group: Newbies
Posts: 1 Joined: 2-July 05 Member No.: 19,127 |
Regarding Lakeside Information Resources...
I have just received a notification from them that a "potentially negative item" has been added to my report. (Heh, I'm in BK7!) They offered to send me a free copy (required by law under these circumstances in Colorado) of my report. The address on their letter differs from your references: 6111 Oak Tree Blvd, Suite 400 Independence, Ohio 44131 They have the same 800 number as the Schaumburg, IL address, but the fax number given is 215-615-7604. Why would a company in Illinois be writing me from Ohio? Why would a company in Ohio have a fax number in Pennsylvania? Why would a company in Ohio mail letters postmarked ZIP 11735? Why would a sane person mail these mysterious people all his personal credit information? The letter is dated June 16, but postmarked June 28; I guess their mailroom is a little behind... |
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Nov 16 2006, 07:16 PM
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Group: Members
Posts: 81,453 Joined: 28-January 04 From: STILL trying to run away from the school yard bullies I need to run faster Member No.: 3,438 |
QUOTE(Jason2004 @ Feb 2 2005, 10:48 AM) Lakeside (Lombard) Information Resources 1-800-995-2590 1-630-932-3004 Lakeside Information Resources 955 American Lane Schaumburg, IL 60173 Lakeside Information Resources d/b/a Lombard Information Resources, Inc. 360 East 22nd Street Lombard, IL 60148-4924 Note: You must include the top part of IRS Form 1040 with identifying information, a paycheck stub, or W2. Anyone ever got a report from them? Jason I HAVE NEVER IN MY LIFE PROVIDED PROOF ANYTHING FOR A CREDIT REPORT AS IF I'M GONNA' START NOW I have got mail from them IT WENT GRIND...GRIND...GRIND CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF??? "AVAILABLE" is not debt That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business) GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED??? My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D. I have a license to drive a car/truck...it is not a permit to use my signed credit card DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS??? Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences) Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS) OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out |
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Dec 25 2006, 02:46 PM
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Group: Members
Posts: 744 Joined: 16-July 05 From: Norfolk, Virginia Member No.: 19,763 |
Was just watching a show on CNBC....
Verifications Inc. was part of that show. A woman was denied a job based on a faulty background check through them. The same social had two names. The reporter asked "shouldn't that have raised a red flag?" and the rep responded that it is fairly common.....  Just wanted to bring this one back to the top..... National City Everyday Rewards: $12500, Amex Costco: $10000, State Farm: $8000, Amex Delta: $6000, WaMu ESPN Visa: $5000, WaMu Platinum MC: $3500, Orchard Bank: $1250, Emigrant Direct: $500
Walmart Discover: $5000, Circuit City: $3500, Lowes: $3000, Home Depot: $2500, JC Penney: $1800, Macy's: $1700, Target Visa: $1700, Chevron: $2200, Firestone: $1600, Valero: $800 TU: 577, EQ: 544, EX: 576 7/12/06 (FICO) TU: 699, EQ: 651, EX: 674 7/13/07 (FICO) TU: 701, EQ: 681, EX: 686 7/13/08 (FICO) |
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Dec 25 2007, 12:55 PM
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Group: Members
Posts: 132 Joined: 3-July 04 From: Arkansas Member No.: 6,790 |
Lexis Nexis Reports
http://www.lexisnexis.com/terms/privacy/data/obtain.asp How do I request a copy of my person report information? (PLEASE NOTE: Information submitted to LexisNexis as part of a request for a copy of information about yourself will be used solely in fulfillment of that request for information and for no other purpose.) You can request a copy of your person report found in the Accurint services by using a secure electronic Web form. A charge of $8.00 for this service will be required via credit card when using this form. You can also order a copy of the person reports about yourself by sending this printable form (PDF, 20K), two forms of identification (one must be a government issued ID), along with an $8.00 check or money order, to: LexisNexis Consumer Access Program<A name=request>How long will it take to receive my report? Your person report will be returned to you via U.S. Mail after LexisNexis receives proof of your identification. LexisNexis must verify your name and address before processing this request to ensure your personal privacy. Sorry, If I have broken any rules here..just trying to make it more convenient for finding things. Have a great day.. On Shawnee Program since 6-03-08.
Kona-voluntary/Shawnee-forced=no apps for me till 2010..Thanks TU |
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Mar 7 2009, 05:33 PM
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Area Man
Group: Members
Posts: 56,489 Joined: 8-May 03 From: terra firma Member No.: 767 |
BUMP
 Total revolving credit added since the BushCheney 2007 credit crisis: 251600 Total revolving credit thefted since the BushCheney 2007 credit crisis: 0 2010 Cash back redeemed: $1312 (through September 1 2010, excludes earned but not redeemed) I AM NOT A CREDIT CARD THIEF; THEREFORE I DO NOT SHOW MY ID |
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Mar 7 2009, 07:06 PM
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Group: Members
Posts: 81,453 Joined: 28-January 04 From: STILL trying to run away from the school yard bullies I need to run faster Member No.: 3,438 |
SNEEZE
CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF??? "AVAILABLE" is not debt That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business) GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED??? My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D. I have a license to drive a car/truck...it is not a permit to use my signed credit card DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS??? Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences) Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS) OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out |
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Mar 7 2009, 10:25 PM
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Area Man
Group: Members
Posts: 56,489 Joined: 8-May 03 From: terra firma Member No.: 767 |
QUOTE (GEORGE @ Mar 7 2009, 04:06 PM) SNEEZE leave it to you to snark at a thread with extremely important consumer information... Total revolving credit added since the BushCheney 2007 credit crisis: 251600 Total revolving credit thefted since the BushCheney 2007 credit crisis: 0 2010 Cash back redeemed: $1312 (through September 1 2010, excludes earned but not redeemed) I AM NOT A CREDIT CARD THIEF; THEREFORE I DO NOT SHOW MY ID |
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Mar 7 2009, 10:34 PM
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Group: Members
Posts: 988 Joined: 13-February 07 From: Washington Member No.: 44,954 |
Lexis Nexis says that their report costs $8.00.
I just sent them a letter requesting my report without any money enclosed and they sent it to me. FICO
EQ 579 - EX 591 - TU 576 12/12/2007 EQ 630 - EX 669 - TU 662 04/09/2008 EQ 688 - EX xXx - TU 678 04/15/2009 |
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Mar 7 2009, 10:58 PM
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Group: Members
Posts: 81,453 Joined: 28-January 04 From: STILL trying to run away from the school yard bullies I need to run faster Member No.: 3,438 |
QUOTE (akaniks @ Mar 7 2009, 08:34 PM) Lexis Nexis says that their report costs $8.00. I just sent them a letter requesting my report without any money enclosed and they sent it to me. Was it full of (GARBAGE) 
CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF??? "AVAILABLE" is not debt That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business) GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED??? My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D. I have a license to drive a car/truck...it is not a permit to use my signed credit card DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS??? Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences) Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS) OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out |
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Mar 8 2009, 01:03 AM
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#23
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Group: Members
Posts: 280 Joined: 12-October 08 Member No.: 83,678 |
I've done quite a bit of research on specialty CRAs ("SCRAs"), and many of those listed in this post are not specialty CRAs as defined by the FCRA. Here are some general insights I can share:
1. There is a "nationwide" component to being a SCRA... You have to be a certain size before you are subject to the FCRA. 2. Many organizations that appear to be SCRAs are not considered such because of the way they gather/store their data. There are several ways that organizations get around the FCRA. As long as the data is not stored within their system, they are not accountable for it. So, they outsource this part, or many pull the data directly from the original source, and create reports based on what their data spiders gather... 3. Several orainzations that are SCRAs deny the fact that they are SCRAs. 4. Lexis-Nexis is both an SCRA and a Consumer CREDIT Reporting Agency (because of their Banko Report) I'm sitting on what could be the most comprehensive list of CONFIRMED SCRAs, but it is not ready for publication yet. I still need to make a few more phone calls and check some other sources. What I can share right now are some graphic organizers. They are outdated and incomplete, but help to give the bigger picture... Consumer Reporting Agencies, Credit Reporting Agencies, and SCRAs: http://i228.photobucket.com/albums/ee310/c...ies_diagram.jpg SCRAs in more detail: http://i228.photobucket.com/albums/ee310/c...es_diagram2.jpg Let me know if there is significant interest in this topic, and I can work on finishing my list and getting it out there to folks. This post has been edited by BionicDog: Mar 8 2009, 01:07 AM I have never met a man so ignorant that I couldn't learn something from him.
--Galileo Galilei |
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Mar 8 2009, 01:18 AM
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#24
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Group: Members
Posts: 988 Joined: 13-February 07 From: Washington Member No.: 44,954 |
QUOTE (GEORGE @ Mar 7 2009, 07:58 PM) Was it full of (GARBAGE) Absolutely. Not sure where in the heck they get their info from. It was interesting, although a bit scary. FICO
EQ 579 - EX 591 - TU 576 12/12/2007 EQ 630 - EX 669 - TU 662 04/09/2008 EQ 688 - EX xXx - TU 678 04/15/2009 |
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Mar 8 2009, 09:08 AM
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#25
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Group: Members
Posts: 1,538 Joined: 26-July 08 From: Boston Member No.: 79,647 |
Does anyone know if Chexsystems provides an on-line report or is it by snail-mail?
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