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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
@Anonymous wrote:MIB
http://www.mib.com/html/request_your_record.html
Revike wrote:
Specializing in credit reports for illegal aliens, no doubt.
If I call them should I ask for K or J ?
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.