topic Re: Some of the Lesser Known Evils in General Credit Topics

Some of the Lesser Known Evils

Noah_Bodie — Thu, 18 Mar 2010 00:16:39 GMT

OK, you're heard of Equifax, Experian and TransUnion. Some of you are unfortunately enough that you have to deal with CSC. But that's it, right? Wrong!

Wait, you mean there's even more CRAs out there? Yep, and here's an incomplete list.

Some of these outfits recognize they are a CRA and thus subject to FCRA and FACTA. As such, you can get a free copy of your report or file from them without a fight. I have tried and succeeded with Innovis, Teletrack, Telecheck, and Consumer Debit Resource (formerly Chexsystems).

Innovis
http://www.innovis.com

Teletrack
http://www.teletrack.com

Telecheck
http://www.telecheck.com

Consumer Debit Resource (formerly Chexsystems)
http://www.chexhelp.com
https://www.consumerdebit.com/consumerinfo/us/en/index.htm

They actually maintains two separate reports. A Chex Systems, Inc. report and a DPPS/SCAN report. Oddly enough, both reports can be obtained from the same address.

Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125

DPPS / SCAN
Attn: Consumer Referral Services
7805 Hudson Road, Suite 100
Woodbury, MN 55125

Banko (which owns LexisNexis)
http://www.banko.com
http://www.banko.com/default.cfm
http://www.banko.com/about.cfm

They now reluctantly acknowledge they are a CRA, but were apparently quite snippy and refused to acknowledge this fact for some time.
http://www.banko.com/consumers.cfm

ChoiceTrust aka Choicepoint aka CLUE
http://www.choicetrust.com

They don't acknowledge they are a CRA, that I could find on their website, but I'm told they are very responsive to FACTA requests.

Thomson
http://www.thomson.com/

Similar to NexisLexis.

http://www.courthousedirect.com/

http://www.fidelityinfoservices.com/FNFIS/Regulations.htm

First Advantage
http://www.residentscreening.com

They acknowledge they are a CRA.
http://www.residentscreening.com/consumer_relations/index.php

http://www.ntnonline.com/
NTN doesn't come out and say they are a CRA, but they talk about compliance with FCRA.
http://www.ntnonline.com/news-and-info/view-articles.cfm?id=3

National Consumer Telecom & Utilities Exchange
http://www.nctue.com/

MIB
http://www.mib.com/html/request_your_record.html

Re: Some of the Lesser Known Evils

Boswd — Tue, 12 Jun 2007 13:20:38 GMT

Oh yeah these are great. Especially if you are looking for a Mortgage, it seems mortgage lenders are like the CIA and can find out everything about your past.

Re: Some of the Lesser Known Evils

princessofpink — Tue, 12 Jun 2007 13:53:00 GMT

Great thanks Noah. Just as I was feeling like I was gaining control over the situation you add some more to the mix.:smileysurprised: Wooohoooo.... that's like 10 more that I have to worry about. :smileysad::smileywink:

Re: Some of the Lesser Known Evils

Revike — Tue, 12 Jun 2007 14:00:01 GMT

Noah_Bodie wrote:
MIB
http://www.mib.com/html/request_your_record.html

Specializing in credit reports for illegal aliens, no doubt.

If I call them should I ask for K or J ? :D

Re: Some of the Lesser Known Evils

Noah_Bodie — Tue, 12 Jun 2007 20:49:13 GMT

Revike wrote:

Specializing in credit reports for illegal aliens, no doubt.

If I call them should I ask for K or J ? :D

Medical Information Bureau, but they and some of the lesser knowns behave like they are keeping the world safe from the alien horde.

If you do ask for K or J, you won't ever remember it. :smileyvery-happy:

Re: Some of the Lesser Known Evils

Noah_Bodie — Thu, 18 Mar 2010 00:21:38 GMT

One of the best resources I've found on the LKEs.
http://www.privacyrights.org/fs/fs6b-SpecReports.htm

9. When to Order a Specialty Report
http://www.privacyrights.org/fs/fs6b-SpecReports.htm#9

Found LOTS more likes to LOTS more LKEs over on CB.

Re: Some of the Lesser Known Evils

masdeocho — Wed, 13 Jun 2007 15:14:27 GMT

Thanks for posting this list.

Re: Some of the Lesser Known Evils

Noah_Bodie — Sat, 16 Jun 2007 01:30:00 GMT

The FACTA changes to FCRA say you are entitled to a free copy of your CR once every 12 months, and it stipulates that the LKEs must also comply.

http://caselaw.lp.findlaw.com/scripts/ts_search.pl?title=15&sec=1681j
(a)(1)(A)All consumer reporting agencies described in subsections (p) and (w) of section 1681a of this title shall make all disclosures pursuant to section 1681g of this title once during any 12-month period upon request of the consumer and without charge to the consumer.

http://caselaw.lp.findlaw.com/scripts/ts_search.pl?title=15&sec=1681a
(p) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis. - The term "consumer reporting agency that compiles and maintains files on consumers on a nationwide basis" means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer's credit worthiness,(!4) credit standing, or credit capacity, each of the following regarding consumers residing nationwide:
(1) Public record information.
(2) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
...
(w) Nationwide Specialty Consumer Reporting Agency. - The term "nationwide specialty consumer reporting agency" means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to -
(1) medical records or payments;
(2) residential or tenant history;
(3) check writing history;
(4) employment history; or
(5) insurance claims.

I sent an Email off to a couple of 'em. Think I'm gonna try and probe some of 'em. See what sort of responsiveness I get. Maybe I can hunt up a trophy suitable for deposit, not mounting.

Re: Some of the Lesser Known Evils

ilovepizza — Sat, 16 Jun 2007 03:56:15 GMT

OMG! I'm not ready to tackle them yet. Three is a handfull for the moment :)

Re: Some of the Lesser Known Evils

smallfry — Sun, 17 Jun 2007 10:54:51 GMT

Thanks for posting these here Noah. I love free reports. LOL.

Re: Some of the Lesser Known Evils

SmartCookie — Wed, 03 Oct 2007 17:39:51 GMT

This is good stuff, thanks Noah_Bodie.

Can we get a sticky on this, or a link to it from a sticky if there is not one?

Thanks!

Re: Some of the Lesser Known Evils

rifleman — Wed, 03 Oct 2007 18:54:07 GMT

by giving these organizations all your info, are you not then getting yourself into their database? How likely is it that the average consumer has a report on file with them?

Re: Some of the Lesser Known Evils

SmartCookie — Wed, 03 Oct 2007 20:30:53 GMT

rifleman wrote:
by giving these organizations all your info, are you not then getting yourself into their database? How likely is it that the average consumer has a report on file with them?

Well that would certainly stink if they do collect info. Regarding myself though I know that I have info on hrm... I think the old Chex and old Choicepoint as if I am correct, they pull motor vehicle records and related records for auto insurance.

But now I'm concerned about Big Brother....!

Re: Some of the Lesser Known Evils

TheNewWorldMan — Wed, 03 Oct 2007 21:03:23 GMT

If I ever find myself blacklisted by any of these other agencies, I'm outta here:

http://www.lifeaftertheoilcrash.net/IndividualItemPages/GetOut.html

Re: Some of the Lesser Known Evils

SmartCookie — Wed, 03 Oct 2007 21:12:01 GMT

TheNewWorldMan wrote:
If I ever find myself blacklisted by any of these other agencies, I'm outta here:

http://www.lifeaftertheoilcrash.net/IndividualItemPages/GetOut.html

LMBO!!! Can my family come too? I'll make Rice Crispy treats!

Re: Some of the Lesser Known Evils

hifiko — Wed, 03 Oct 2007 21:44:47 GMT

TO Smart Cookie...Your last post mentioned about being concerned about Big Brother. Everytime I see a reference to Big Brother, I develop a "Mona Lisa" smile and say to myself "if they only really knew." Believe me "brother" knows now. Who would ever think that when you apply for social security benefits the name of your "inlaws" pops up on the screen??? Strange but TRUE. The other CRA's,beside, the Big 3 we deal with daily in this forum are "specialty" type agencies. If you have an auto accident the info is forwarded to "Choicepoint". If somebody wants to know about your health in general they can get info from MIB. Anytime you're ever sued or have any legal court proceedings civil or criminal then a report is forwarded to Lexis Nexis(a clearinghouse for lawyers) to get the lowdown on you. Remember the internet is definitely an "information highway" with it's good points and bad points. Here comes that "smile"again.

Re: Some of the Lesser Known Evils

hifiko — Wed, 03 Oct 2007 21:48:02 GMT

Re: Some of the Lesser Known Evils

SmartCookie — Wed, 03 Oct 2007 21:49:50 GMT

hifiko wrote:
TO Smart Cookie...Your last post mentioned about being concerned about Big Brother. Everytime I see a reference to Big Brother, I develop a "Mona Lisa" smile and say to myself "if they only really knew." Believe me "brother" knows now. Who would ever think that when you apply for social security benefits the name of your "inlaws" pops up on the screen??? Strange but TRUE. The other CRA's,beside, the Big 3 we deal with daily in this forum are "specialty" type agencies. If you have an auto accident the info is forwarded to "Choicepoint". If somebody wants to know about your health in general they can get info from MIB. Anytime you're ever sued or have any legal court proceedings civil or criminal then a report is forwarded to Lexis Nexis(a clearinghouse for lawyers) to get the lowdown on you. Remember the internet is definitely an "information highway" with it's good points and bad points. Here comes that "smile"again.

You'd just have creeped me bigtime if what you are saying wasn't TRUE! :smileywink: OK let's not go all conspiracy theory on these boards...but jeesh they keep your body stuff in the hospital! Anyone who has had a baby or something removed knows... it's nearly impossible to get them to hand back your BODY PART!

Carry on... next show at 10.... lemonade and Rice Crispy treats for all!

Re: Some of the Lesser Known Evils

TheNewWorldMan — Wed, 03 Oct 2007 21:53:04 GMT

I think all this will only stop when the records of the politicians and wealthy elite are hacked and displayed for everyone to see.

Re: Some of the Lesser Known Evils

hifiko — Wed, 03 Oct 2007 21:55:57 GMT

Smart Cookie...No psychological damage intended...Hope you are ok. Keep "smiling"...