02-18-2013 06:13 PM - edited 02-28-2013 02:48 PM
Hello everyone. I'm new to learning how to repair my own credit and I also recently became aware that my identity was stolen through Identity theft. Of course I know to check with the three major bureaus for any incorrect information, but I've recently become aware that lenders also use other CRA's in addition.
That's all that I know of. Are there any other agencies that lenders routinely use that I should know about? Very concerned that false information about myself is floating around out there.
02-18-2013 06:33 PM
chex system, they track bounced checks and other non payments
02-18-2013 06:54 PM
Here's an older thread with many more listed:
I've purchased cars, obtained CCs, bought our first home, etc. all within the past several years and the only reports my lenders ever referenced were the big 3, and Chex too when opening new bank accts or joining some CUs.
02-18-2013 07:23 PM
Thank you llecs. I feel like I have a long arduous process ahead. It's such a shame there are so many "data mining" agencies. I just can't wrap my head around the legality of this, it feels so "1984"-ish. Guess it would help if the politicians weren't snugly inside their pockets And I really can't begin to imagine who might have what on me...I would like to get back to the good old days where I could apply for and receive most any loan / credit card I wanted.
02-18-2013 07:44 PM - edited 02-18-2013 07:46 PM
02-19-2013 12:35 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.