Specialty Credit Reports

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Specialty Credit Reports

  1. 1. SPECIALTY CREDIT REPORTS
  2. 2. CONSUMER LAW
  3. 3. THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT (FACT ACT) • The Fair and Accurate Credit Transactions Act (FACT Act) was enacted in 2003 and amends the Fair Credit Reporting Act (FCRA), a federal law that regulates, in part, who is permitted to access your consumer report information and how it can be used. • The FACT Act entitles consumers to obtain one free copy of his/her consumer file from certain consumer reporting agencies during each 12-month period. • http://www.consumer.ftc.gov/sites/default/files/arti cles/pdf/pdf-0111-fair-credit-reporting-act.pdf
  4. 4. UTILITIES
  5. 5. NATIONAL CONSUMER TELECOM & UTILITIES EXCHANGE • The NCTUE data report is a record of all telecommunication, pay TV and utility accounts reported by exchange members, including information about a consumer’s account history, unpaid closed accounts and customer service applications. This information is used by other telecommunication, pay TV and utility service providers, who are members of the exchange, to assist them in the decision to extend services. The NCTUE Disclosure Report is the disclosure to a consumer of the information contained in his or her data report. • As a consumer, you can contact NCTUE® to determine if NCTUE maintains information about you. To request a copy of your NCTUE Disclosure Report, call us at 1-866-349-5185. • http://www.nctue.com/consumer
  6. 6. PAYDAY LENDING
  7. 7. CLARITY SERVICES • Clarity is a credit reporting agency used by payday loan lenders. • Clarity Services, Inc. is a Consumer Reporting Agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. • Phone: 866 -390-3118 • https://www.clarityservices.com/support/free-annual-file- disclosure/ • http://www.clarityservices.com/support/annual_disclosure
  8. 8. DATAX CONSUMER REPORT • DataX provides consumer payment history for the non- prime lending community. • Phone: 800-295-4790 • http://consumers.dataxltd.com/annualCreditReport
  9. 9. FACTORTRUST • Provides lending data and bankruptcy information to payday lenders and other users. • Phone 866-910-8497 OR EMAIL CUSTOMERCARE@FACTORTRUST.COM. • http://ws.factortrust.com/consumer-inquiry/ • http://ws.factortrust.com/wp- content/uploads/2013/12/Consumer-Inquiry-Form.pdf
  10. 10. MICROBILT'S PRBC CONSUMER CREDIT REPORT • If you have been turned down for credit based on information in a PRBC Report, and would like to request a copy of the information contained in the report, or dispute information contained in the report • Tracks consumer information about payday loans. • Provides information to payday lenders and other lenders • 1- 800-884-4747(Option5) • http://www.microbilt.com/consumer-dispute.aspx
  11. 11. TELETRACK • Collects consumer information about, and provides data to, payday lenders , rent-to-own • businesses, furniture stores that offer financing, auto finance companies, high-risk consumer finance businesses, non -prime mortgage businesses, non-prime credit card issuers, credit unions, and cable/telecom companies. • Phone: 877-309-5226 • http://www.corelogic.com/downloadable- docs/teletrack-consumer-report-request.pdf
  12. 12. AUTO AND PROPERTY INSURANCE HISTORY REPORT
  13. 13. INSURANCE INFORMATION EXCHANGE • Provides motor vehicle records, including traffic violations, upon request with a permissible purpose. • If a consumer has had an adverse action taken against him or her, s/he may contact iiX within the 60-day period to request a copy of the report. iiX's process provides these alternatives for obtaining the report: • Option 1 - Request via the web • Option 2 - Request via telephone or fax • Phone: 866- 560-7015 • http://www.iix.com/fcrarelease.pdf • http://www.iix.com/reports_consumers.htm
  14. 14. C.L.U.E.® REPORT • The C.L.U.E. Auto report provides a seven year history of automobile insurance losses associated with an individual. • The following data will be identified for each loss: date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name. • Phone: 866-312-8076 • https://personalreports.lexisnexis.com/fact_act_claims_bundle /landing.jsp
  15. 15. ALTERNATIVE CREDIT REPORTS
  16. 16. LEXISNEXIS PERSONAL REPORTS • LexisNexis Risk Solutions, in compliance with the FACT Act, provides you with one FREE report during each 12 month period. • LexisNexis maintains a vast collection of public records obtained from Federal, state, and local sources, including civil and criminal courts, bankruptcy courts, public assessor's offices, state property and tax offices, secretary of state offices, and various licensing agencies. LexisNexis also maintains a database of auto and property claims information contributed by insurance companies. • Phone: 888-497-0011 • https://personalreports.lexisnexis.com/access_your_pers onal_information.jsp
  17. 17. CREDITIQ CREDIT REPORT BY CORELOGIC CREDCO • Collects property ownership and mortgage obligation records; property legal filings and tax payment status; rental applications and collection accounts; and consumer bankruptcies, liens, judgments, and child support obligations. • Phone: 800-637-2422 Credit Report Inquiries • Phone; 877-532-8778 Consumer File Inquires • https://www.credco.com/consumer/?mid=3776&cid=37 68
  18. 18. IDA , INC. • Provides supplementary credit reports to lenders and other service providers. • The information we provide generates insights into creditworthiness and enhances traditional credit decisioning. • It also helps protect individuals from becoming victims of identity theft, and helps companies protect themselves and their customers from identity fraud. • Phone: 866-361-7984 • http://www.idanalytics.com/solutions/consumer/consum er-assistance/
  19. 19. INNOVIS • Provides supplementary credit reports to lenders. • If you believe information contained within your Innovis Credit Report is inaccurate for any reason, you may request an investigation. • Choose any one of our three convenient ways to request an investigation. • Online - https://www.innovis.com/InnovisWeb/pers_orderCreditRepo rtDisabled.html • Mail - https://www.innovis.com/InnovisWeb/formOrderReport.html • Phone - 1-800-540-2505.
  20. 20. RENTAL
  21. 21. CONTEMPORARY INFORMATION CORP. • Conducts background screening services. • Phone: 800-288-4757 Option 5 • http://www.cicreports.com/consumer-disputes/
  22. 22. CORELOGIC SAFE RENT • CoreLogic SafeRent consumer file will provide you with a copy of the information which may have been used by the property to make a decision and will allow you to see potentially adverse information contained in your CoreLogic SafeRent file. • Collects information for tenant and employment screening, including landlord - tenant actions and court judgments • Phone: 888-333-2413 • http://www.corelogic.com/downloadable- docs/saferent-consumer-disclosure.pdf
  23. 23. FIRST ADVANTAGE RESIDENT HISTORY REPORT • Conducts background screening services. • Phone: 800-845-6004 • http://www.fadv.com/free-report-for- consumers.aspx
  24. 24. TENANT DATA SERVICES • Rental performance history (damages, unauthorized pets, lease violations, skips, etc.) • Phone: 800-228-1837 Option 5 • http://www.tenantdata.com/personalreport.php
  25. 25. MEDICAL
  26. 26. MEDICAL INFORMATION BUREAU • Collects information about medical conditions and hazardous avocations from insurance applications with the consumer’s authorization. You will not have an MIB consumer report unless you applied for individually underwritten life or health insurance at a MIB member insurance company within the past seven years. • Phone: 866-692-6901 • http://www.mib.com/request_your_record.html.
  27. 27. MEDPOINT • The medical profile generated by MedPoint includes, but is not limited to, prescription drugs, including dosage and number of refills filled by the insurance applicant for the previous five years. • It also includes for each drug, the name and address of the dispensing pharmacy, as well as the name and address of the prescribing doctor, including specialty medical practice. • The medical profile generated by MedPoint analyzes the individual’s prescription drug history, and provides, based on that analysis, potential medical conditions that may be present and predictive scores for the individual.“ • Phone: (888) 206-0335 • Order AnnualMedicalReport.com • https://www.annualmedicalreport.com/tag/medpoint/
  28. 28. INTELLISCRIPT • Milliman IntelliScript will have prescription information about you only if you authorized the release of your medical records to an insurance company and that company requested that we gather a report on you. • Report request phone number: 877-211-4816 • http://www.rxhistories.com/RequestAReport/
  29. 29. *LEGAL ACTION* • Providers of Consumers Medical Profiles Agree to Comply with Fair Credit Reporting Act • http://www.ftc.gov/news-events/press- releases/2007/09/providers-consumers-medical- profiles-agree-comply-fair-credit
  30. 30. EMPLOYMENT HISTORY REPORTS
  31. 31. ACCURATE BACKGROUND • Conducts background screening services. • Phone: 800-784-3911 • http://www.accuratebackground.com/resources.p hp?sec=439
  32. 32. AMERICAN DATABANK • Conducts background screening services. • Phone: 800-200-0853 • http://www.americandatabank.com/FCRA.aspx
  33. 33. EMPLOYEESCREENIQ • Provides pre-employment screening services. • Phone: 800-235-3954 Option 5 • http://www.employeescreen.com/requests/disclos ure.asp
  34. 34. GIS • Conducts background screening services. • Phone: 800-265-4917 • http://www.geninfo.com/contacttwo.asp
  35. 35. HIRERITE • The National Theft Database contains more than 500,000 records of shoplifting and employee theft incidents submitted by 500 member companies. • Conducts employment background screening services. • Phone: 800-381-0645 • http://hirerite.com/Consumers-Applicants.aspx
  36. 36. INFOCUBIC • Provides pre-employment screening services. • Phone: 877-360-4636 • http://www.infocubic.com/doc/Consumer-Report- Copy-Request.pdf
  37. 37. INTELLICORP • Provides employment histories and criminal histories. • Phone: 866-202-1436 • http://www.intellicorp.net/marketing/home.aspx • http://www.intellicorp.net/marketing/uploadedFiles /IntelliCorp_Copy%20Request%20Form.pdf
  38. 38. PRE-EMPLOY.COM • Provides employment background, investigative, consumer reports. • Phone: 800-300-1821ext 199 • http://portal.pre-employ.com/ • https://www.pre-employ.com/pdf/Investigative- Report-Request-Form.pdf
  39. 39. PROFESSIONAL SCREENING & INFORMATION, INC. • Provides pre-employment screening services • Phone: 877-235-7574 • http://www.psibackgroundcheck.com/ • http://www.psibackgroundcheck.com/contact- us.shtml
  40. 40. STERLING INFOSYSTEMS, INC. • Conducts employment background screening services • Phone: 877-424-2457 • http://www.sterlinginfosystems.com/fact-act- disclosure.htm
  41. 41. TRAK-1 TECHNOLOGY • Conducts background screening services • Phone: 918-779-7000 • http://trak-1.com/questions/about-consumer- compliance/
  42. 42. VERIFICATIONS INC. • Conducts background screening services. • Phone: 877-884-1313 • http://www.verificationsinc.com/eng/whoweare/a pplicant_information.cfm
  43. 43. THE WORK NUMBER • Provides employment and income verification. Includes data collected from large private sector payroll processors. • The company will provide one free report every 12 months. • Equifax Workforce Solutions, also known as TALX Corporation, operates The Work Number. TALX is a wholly owned subsidiary of Equifax. • Phone: 866-604-6570 • https://www.theworknumber.com/Employees/DataRep ort/report_request.pdf
  44. 44. EMPLOYMENT DATA REPORT • An Employment Data Report (EDR) gives you the ability to see the information potentially being given out on you when a verification is requested. This report is intended to present transparency regarding your information on The Work Number and can be provided upon request. • Phone: 866-604-6570 • https://www.theworknumber.com/Employees/DataRep ort/
  45. 45. CHECK SCREENING/ HISTORY
  46. 46. CERTEGY • Collects check writing histories and provides check screening services primarily for retailers and gaming establishments who accept checks as payment in their stores • To Request by Phone: 1-866-543-6315 • https://www.askcertegy.com/FACT.jsp
  47. 47. CHEXSYSTEMS CONSUMER REPORT • You can order a report to learn what information, if any, is listed in your consumer file at ChexSystems. If you have been denied an account from a bank or credit union, and ChexSystems was used in the decision process, this information will help you understand what may have contributed to that decision. • Phone 800-428-9623 • https://www.consumerdebit.com/consumerinfo/us/en/c hexsystems/report/index.htm
  48. 48. EARLY WARNING SERVICES • Early Warning supports consumers' rights to dispute and correct inaccurate or incomplete information furnished to Early Warning in accordance with the Fair Credit Reporting Act (FCRA). • Assists payment processors and check acceptance companies by providing real-time verification against high-risk accounts and identifying items at the point-of- sale with a high likelihood of returning unpaid. • If you wish to obtain Consumer Report Information, please contact our Consumer Call Center at • (800) 325-7775 • Monday - Friday 8:00 a.m. to 5:00 p.m. Arizona Time
  49. 49. TELECHECK • Collects check writing history. • Provides information on check fraud and conducts check verifications for retailers who accept checks as payment in their stores. • Free annual file disclosure pursuant to the Fair Credit Reporting Act • Phone:1-800-366-2425 • http://www.firstdata.com/telecheck/telecheck-request- file-report.htm • *TeleCheck to Pay $3.5 Million for Fair Credit Reporting Act Violations http://www.ftc.gov/news-events/press- releases/2014/01/telecheck-pay-35-million-fair-credit- reporting-act-violations
  50. 50. MISCELLANEOUS
  51. 51. DIRECTV, LLC • If you believe you are the victim of identity theft that has resulted in the creation of a DIRECTV account using your identity without your authorization please send a completed and notarized Identity Theft Victim's Complaint and Affidavit. • Request a confirmation letter after the fraudulent account have been cleared. • File a complaint with the Federal Trade Commission: https://www.ftccomplaintassistant.gov/#&panel1-1 • Phone: 800-860-8542 • http://www.directv.com/DTVAPP/content/legal/identity _theft_identity_fraud
  52. 52. DISH NETWORK • Similar to DIRECTV’s process. Be prepared to provide a notarized Identity Theft Victim's Complaint and Affidavit • Request a confirmation letter after the fraudulent account have been cleared. • File a complaint with the Federal Trade Commission: https://www.ftccomplaintassistant.gov/#&panel1-1 • Phone 800-333-3474
  53. 53. YOUR RIGHT TO OBTAIN A REPORT • If you received a notice that you were denied credit, insurance, or employment or experienced another so- called “adverse action” based on a consumer report, you have a right to another free report from the consumer reporting company identified in the notice. • To get the additional free report you must request it within 60 days after you receive the notice. • Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.
  54. 54. THREE LARGEST NATIONWIDE CONSUMER REPORTING COMPANIES • Equifax, Experian, and TransUnion will provide you with a free copy of your credit report, at your request, once every 12 months. • The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. • The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies. • Phone: 1-877-322-8228 • https://www.annualcreditreport.com/index.action • http://www.consumer.ftc.gov/articles/pdf-0043-free-credit- reports.pdf
  55. 55. SUBMIT A COMPLAINT Consumer Financial Protection Bureau • Submit a complaint about problems with credit reporting companies or information about their credit reports. • Contact us (855) 411-2372
  56. 56. ADVOCATE TIP • If you are notified of either a payday loan, utilities, or someone used your identity for employment fraud. • Immediately notify the companies involved you are a victim of identity theft and obtain the credit reporting agency they used and order a free report. • Place fraud alerts or security freezes with agency, if needed. • Provide copies of the report with a detailed Identity Theft Victim's Complaint and Affidavit to your local police department. • Keep the original copies and track all agencies notified. • Notify the three national credit bureau’s: Experian, TransUnion and Equifax. Place either 90 day, 7 year or security freeze on your credit file. • Request a confirmation letter that all fraud has been removed • http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft- affidavit.pdf
  57. 57. DATA BROKERS • Master List of Data Broker Opt-Out Links
  58. 58. COMPILED AND DESIGNED BY MARK FULLBRIGHT , CERTIFIED IDENTITY THEFT RISK MANAGEMENT SPECIALIST™ (CITRMS) AS A FREE SERVICE FOR CONSUMERS TO PROTECT THEMSELVES ONLINE AND REDUCE THEIR EXPOSURE TO IDENTITY THEFT. COMPANY NAMES MENTIONED HEREIN ARE THE PROPERTY OF, AND MAY BE TRADEMARKS OF, THEIR RESPECTIVE OWNERS. R E S O U R C E S : * F E D E R A L T R A D E C O M M I S S I O N * C O N S U M E R F I N A N C I A L P R O T E C T I O N B U R E A U

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