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Free reports from "specialty" CRA's


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37 replies to this topic

#1 bfarber

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Posted 31 January 2005 - 03:30 PM

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.privacyri...SpecReports.htm

Check it out. :aggressive:

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/h...our_record.html
1-866-692-6901

CLUE (ChoicePoint Systems)
http://www.choicetru...subchannel=clue
1-866-312-8076

ChexSystems
https://www.consumer...eport/index.htm
1-800-428-9623
ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125

SCAN
https://www.consumer...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.c..._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/p...0/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.udregistr.../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. :huh:

Feel free to respond and add others. :)



#2 radi8

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Posted 31 January 2005 - 03:44 PM

Nice list!

With your permission, I'd like to include it over in the reference forum.

#3 bfarber

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Posted 31 January 2005 - 03:45 PM

Sure thing, I'd be honored. :aggressive:

#4 radi8

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Posted 31 January 2005 - 04:22 PM

Linked this post in the Database forum, that way any additions will be available both here and in there.


Thanks again!

#5 bfarber

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Posted 31 January 2005 - 05:35 PM

This association lists over 300 employment screening services:
http://www.napbs.com/

I could not find the list on their website however. :grin:

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://employeescree...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.infolinks...ntactOther.aspx
(818/800) 990-HIRE
InfoLink Screening Services, Inc.
9201 Oakdale Avenue, Suite 100
Chatsworth, California 91311-6520

US Search
http://www.ussearch..../about/fcra.jsp
http://www.ussearch....)&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.creditint...ntell/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.c.../CompanyReports
Note: International marine Crs

Owens Online
http://www.owens.com/
Note: International credit

Red Book Credit Services
http://www.thepacker...rbm/default.asp
Note: Produce and floral credit

Seafax
http://www.seafax.co...bObjects/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). :search: 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. B)

#6 bfarber

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Posted 31 January 2005 - 07:31 PM

Certegy
http://www.certegy.c...html#USCONSUMER
1-866-543-6315
Do not accept requests via mail for free consumer file

#7 bfarber

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Posted 02 February 2005 - 11:56 AM

CSC: Credit Services
http://www.csc.com/s...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

#8 Jason2004

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Posted 02 February 2005 - 12:48 PM

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

#9 MistakeOfPast

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Posted 02 February 2005 - 02:20 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?

#10 bfarber

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Posted 04 February 2005 - 06:33 PM

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. :offtopic:

AAA Credit Screening Services
http://www.aaacredit.../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

#11 bfarber

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Posted 08 February 2005 - 08:05 AM

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 :grin: ):

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.c...equest_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


Edited by bfarber, 08 February 2005 - 08:06 AM.


#12 ruafraidofme

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Posted 08 February 2005 - 10:31 AM

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?

<{POST_SNAPBACK}>



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!

#13 t8rtot

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Posted 22 April 2005 - 02:21 PM

CSC: Credit Services
http://www.csc.com/s...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

<{POST_SNAPBACK}>


web address I had to use today was www.csccredit.com

Edited by t8rtot, 22 April 2005 - 02:24 PM.


#14 Qadgop

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Posted 03 July 2005 - 12:06 AM

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...

#15 GEORGE

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Posted 16 November 2006 - 07:16 PM

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


#16 RoadtoSuccess

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Posted 25 December 2006 - 02:46 PM

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.....

#17 no2chaos

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Posted 25 December 2007 - 12:55 PM

Lexis Nexis Reports
http://www.lexisnexi...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
Attn: Consumer Inquiry Department
6601 Park of Commerce Blvd.
Boca Raton, FL 33487

<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..

#18 hegemony

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Posted 07 March 2009 - 05:33 PM

BUMP

#19 GEORGE

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Posted 07 March 2009 - 07:06 PM

SNEEZE

#20 hegemony

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Posted 07 March 2009 - 10:25 PM

SNEEZE

leave it to you to snark at a thread with extremely important consumer information...

#21 akaniks

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Posted 07 March 2009 - 10:34 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.

#22 GEORGE

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Posted 07 March 2009 - 10:58 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)

:lol:

#23 BionicDog

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Posted 08 March 2009 - 01:03 AM

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.photobuc...ies_diagram.jpg

SCRAs in more detail:
http://i228.photobuc...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.

Edited by BionicDog, 08 March 2009 - 01:07 AM.


#24 akaniks

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Posted 08 March 2009 - 01:18 AM

Was it full of (GARBAGE)

:lol:


Absolutely. Not sure where in the heck they get their info from. It was interesting, although a bit scary.

#25 bemmel

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Posted 08 March 2009 - 09:08 AM

Does anyone know if Chexsystems provides an on-line report or is it by snail-mail?




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