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Day 5 Third Party Reports, Evictions, Bankruptcies
PAGE | CREDIT BOOTCAMP | ROAD TO 750 | 2021
What are third party reporting agencies?
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• There are several small agencies that collect and sell different types of consumer information to businesses who need to make a decision about you. These smaller credit reporting agencies are also subject to the Fair Credit Reporting Act, which means you have the right to an accurate credit report, and you’re allowed to dispute any inaccurate information with the credit reporting agency to have it corrected or removed.
• You are entitled to one FREE report from each third party reporting agency a year
• They have to follow the same rules/laws as the Big Three
• You can dispute any info on any of these reports
• Lot easier to dispute than the big three
PAGE | CREDIT BOOTCAMP | ROAD TO 750 | 2021
Should you freeze all these reports?
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Freezing the reports will be a personal decision and some freezes may benefit you more than others. However, if your goal for freezing/suppressing these reports are to hide the info from the credit bureaus then it is pointless. The CB’s still have access to these reports before and after freezing. Instead I recommend you to dispute the information included.
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Suppressing your Lexis Nexis (or any other consumer
report) will NOT keep the credit bureaus from accessing
your consumer file.
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Background Checks
Employment screening companies provide verification information such as credit history, employment, salary and education and professional license verification to employers and others.
Tenant Screening
Tenant screening companies provide reports to landlords and residential real estate management companies. If you are applying as a tenant for a residential property a tenant screening report with negative information in it, such as past due rent, could result in a rejected lease application or a lease with tough conditions.
• Contemporary Information Corp. (CIC) - www.cicreports.com/consumer-disputes/
• CoreLogic Rental Property Solutions - www.corelogic.com/ • Experian Rent Bureau - www.experian.com/rentbureau • First Advantage Corp Resident Solutions - www.FADV.com • Real Page, Inc. (LeasingDesk) - www.RealPage.com • Screening Reports, Inc. - www.ScreeningReports.com • TransUnion Rental Screening Solutions, Inc. -
www.Mysmartmove.com
• Accurate Background - www.accurate.com • ADP Screening & Selection Services, Inc -
www.adpselect.com • Checkr - www.checkr.com • Emp Info - www.empinfo.com/fcra/ • First Advantage Corporation - www.FADV.com • Hire Right - www.HireRight.com • Pre-employ - www.pre-employ.com • The Work Number - www.TheWorkNumber.com • Truework - www.truework.com • Info Cubic - http://www.infocubic.com/ • Intelli Corp - http://www.intellicorp.net/ • OPENonline - http://www.openonline.com/
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Bank & Check Screening Personal Property Insurance
Check and bank screening companies collect and report data on checking account applications, openings, and closures as well as check screening services like check verification.
• Certegy Check Services - www.AskCertegy.com • ChexSystems - www.chexsystems.com • CrossCheck, Inc. - www.cross-check.com • Early Warning Services - www.Earlywarning.com • Global Payments Check Services, Inc. -
www.Globalpaymentsinc.com • TeleCheck Services - www.FirstData.com/telecheck
Personal property insurance reporting companies collect and report information on consumers’ home, auto, and personal property.
• A-PLUS Property (by Verisk) - www.fcra.verisk.com/#/ • Lexis Nexis C.L.U.E. (Auto & Property Reports) -
www.consumer.risk.lexisnexis.com/consumer • Drivers History - www.drivershistory.com/support/fcra-
disclosure-statement • Insurance Information Exchange (iiX) - www.iix.com/
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Medical Low-income and Subprime
Medical consumer reporting companies share information on your medical data if you authorized the release of your medical records to an insurance company.
• MIB, Inc. - www.mib.com/facts_about_mib.html
• Milliman IntelliScript - www.rxhistories.com/
Low-income and subprime reporting companies provide consumer information to companies that market and sell products and services specifically to lower-income consumers and credit applicants with impaired credit records.
• Clarity Services - www.clarityservices.com/ • CoreLogic Teletrack - https://www.corelogic.com/ • DataX - https://consumers.dataxltd.com/annualCreditReport • Factor Trust - https://www.transunion.com/client-support/
factortrust-consumer-inquiry • MicroBilt / PRBC (Bank Account Data) - http://
www.microbilt.com/
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Supplementary Reports
The information that some consumer reporting companies sell is used to supplement other data, such as the credit data the nationwide consumer reporting companies sell about you. This information can include public records and ID verification data to help firms manage credit and fraud risks.
• Innovis (Fraud Prevention)- https://www.innovis.com
• Lexis Nexis Risk Solutions (Bankruptcy) - https://
consumer.risk.lexisnexis.com/consumer
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Retail Gambling
These companies collect information related to retail product return and exchange fraud and abuse. A record of all your return/exchanges for 7 years.
• The Retail Equation - https://www.theretailequation.com/
These companies share consumer data associated with check cashing settlement services to assist gaming establishments such as casinos and racetracks with risk management.
• VIP Preferred - https://www.theretailequation.com/
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Bankruptcy
These companies collect information related to public records.
• Lexis Nexis - LexisNexis.com• Advanced Resolution Service - https://www.ars-
consumeroffice.com• CoreLogic Credco - https://www.corelogic.com/solutions/
credco-consumer-assistance.aspx • MicroBilt/ PRBC - http://www.microbilt.com/ • Sagestream (Acquired by LN)
Utilities
These companies collect information associated with telecommunications, pay TV, and utility (electric, gas, water) services to help companies in these industries manage customer relations.
• National Consumer Telecom & Utilities Exchange
(NCTUE) - http://www.nctue.com/
PAGE | CREDIT BOOTCAMP | ROAD TO 750 | 2021
Eviction Dispute Process
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• Pull your Tenant History Reports• Dispute the Eviction with the tenant reports that has your eviction listed with Round 1 Bureau
Reinvestigation Letter.• Follow up with third party consumer agency if not deleted. (Round 2 Bureau Reinvestigation)• Once deleted, send results to bureaus and demand deletion if they are not able to reveal
another source
Bankruptcy Dispute Process• Pull Lexis Nexis & ARS consumer reports• Dispute BK with the above companies• Once deleted dispute BK with Credit Bureaus
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• Transunion - Main Bureaus Reporting inaccurate Informations & Personal Information
• Experian - Main Bureaus Reporting inaccurate Informations & Personal Information
• Equifax - Main Bureaus Reporting inaccurate Informations & Personal Information
• SageStream - Auto Lenders, Credit Cards, Issuers Retailers, Utilities, Cell Phone
• Advanced Resolution Service - Public Records, Bankruptcy, Inquiries
• Clarity Service Inc - Payday Loans, Auto Title Loans, Subprime Lending, Check Cashing.
• Innovis - Payment history, Accounts, Mortgage, And any late payments
• ChexSystem - Checking Account, Opening, Closures
• EarlyWarning System - Checking Account, Closures, Check Writing, Opening
• Corelogic Credco - Rental Applications, Child Support , Criminal Records
• Tele-check - consumer reporting agency (CRA) that focuses specifically on consumer information related to
checks and bank accounts
• LexisNexis - Liens, Judgements, Bankruptcy, Historic Addresses, Professional License
Quick Guide
