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bfarber

Free reports from "specialty" CRA's

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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. :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/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. :huh:

 

Feel free to respond and add others. :)

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

 

 

Thanks again!

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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://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). :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)

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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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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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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.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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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.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

Edited by bfarber

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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!

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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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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

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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.....

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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

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..

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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.

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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:

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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.

Edited by BionicDog

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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.

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