How do CRAs verify PR?

Anonymous · ‎01-12-2008

What process or service do CRAs use to verify Public Records? I know they do not have any direct contact with the courthouses.

My FC PR is not listed on a search through ChoicePoint/ChoiceTrust.

Do they use Innovis? Other PR databases?

Message Edited by Anderson on 01-12-2008 12:53 PM

smallfry · ‎01-12-2008

I have heard they use E-Oscar. From what I understand if you do this all by the book, since the way they verify is borderline illegal, some publics records can be removed.

Anonymous · ‎01-12-2008

Thanks. Yes, E-Oscar makes sense, guess maybe Lexis-Nexis too?

Waiting for the hard copies from the courthouse. After I review them I may even be able to get the PR vacated. Then I can try to get it off my CR. Would be good to know for sure how they validate.

Anonymous · ‎01-12-2008

Usually Public Records do not get reported by anyone at the courthouse. There are 3rd party companies that do this, although the CRAs do not tell you that!

Anonymous · ‎01-12-2008

Yep. Wonder how they respond to a MOV?

Mine is gone from 2 and will age off the remaining one in a year but I may try the vacating route if it looks possible.

HappyDays wrote:
Usually Public Records do not get reported by anyone at the courthouse. There are 3rd party companies that do this, although the CRAs do not tell you that!