Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
Some of the Lesser Known Evils
[ Edited ]

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).








Consumer Debit Resource (formerly Chexsystems)


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


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


Banko (which owns LexisNexis)


They now reluctantly acknowledge they are a CRA, but were apparently quite snippy and refused to acknowledge this fact for some time.


ChoiceTrust aka Choicepoint aka CLUE


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.




Similar to NexisLexis.


First Advantage

They acknowledge they are a CRA.
NTN doesn't come out and say they are a CRA, but they talk about compliance with FCRA.


National Consumer Telecom & Utilities Exchange