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New Member
BlueSpades
Posts: 5
Registered: ‎01-27-2013
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All known CRA's (including lexis nexis)

[ Edited ]

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.

There is:

 

Equifax

Experian

Transunion

LexisNexis

Teletrack

Innovis

Chexsystems

 

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.

Established Contributor
bettercreditguy1
Posts: 760
Registered: ‎02-11-2012
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Re: All known CRA's (including lexis nexis)

chex system, they track bounced checks and other non payments

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Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
New Member
BlueSpades
Posts: 5
Registered: ‎01-27-2013
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Re: All known CRA's (including lexis nexis)

Oh dang, I almost forgot about them, thank you....I'll be checking with them soon as well.

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
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Re: All known CRA's (including lexis nexis)

Here's an older thread with many more listed:

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Some-of-the-Lesser-Known-Evils/m-p/16946/highl...

 

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.

New Member
BlueSpades
Posts: 5
Registered: ‎01-27-2013
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Re: All known CRA's (including lexis nexis)

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 :smileyindifferent: 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.

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
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Re: All known CRA's (including lexis nexis)

[ Edited ]
Mega Contributor
RobertEG
Posts: 18,475
Registered: ‎03-19-2007
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Re: All known CRA's (including lexis nexis)

Cant recall the specific name, but one of the Big 3 (think its EX) uses a smaller CRA in the midwest to handle their files and reporting in that area.

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
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Re: All known CRA's (including lexis nexis)


RobertEG wrote:

Cant recall the specific name, but one of the Big 3 (think its EX) uses a smaller CRA in the midwest to handle their files and reporting in that area.


CSC

New Member
BlueSpades
Posts: 5
Registered: ‎01-27-2013
0

Re: All known CRA's (including lexis nexis)

 Just found out about BeenVerified...just adding that to this list

New Member
BlueSpades
Posts: 5
Registered: ‎01-27-2013
0

Re: All known CRA's (including lexis nexis)

Bump....anyone want to add anything else?

 


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