Credit & Consumer Reporting Agencies That You Should Be Concerned With


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Consumer Reporting Agencies



For concerns that you may have about your credit score go to:



www.myfico.com


In addition to Credit Scores you can obtain auto and homeowner reports that insurers use in determining your insurance rates by calling or going to the following sites:


www.choicetrust.com


C.L.U.E. Auto or Homeowner Reports





Choicepoint Consumer Disclosure Center

PO Box 105295

Atlanta GA 30348

1-866-312-8076


For concerns you may have about your employment screening you can call—or go to the choicetrust.com site mentioned above or below:




Workplace Solutions

Choicepoint Consumer Disclosure Center

PO Box 105295

Atlanta GA 30348

1-866-312-8076


For concerns you may have about your tenant (rental) history—you can call—or go to the choicetrust.com site mentioned above or below:





Tenant History

Residential Data Consumer Disclosure Center

PO Box 850126

Richardson TX 75085-0126

1-877-448-5732


For concerns you may have about adding a credit alert or credit freeze to your credit report—you can call or go to the or go to the sites mentioned below:




You will need to contact the individual national reporting agencies listed below to do an alert or freeze—you can also get one free credit report per year—and depending on your state—possibly two:

Equifax

P.O. Box 740241

Atlanta, GA 30374

800-525-6285


www.equifax.com

Experian

P.O. Box 9532

Allen, TX 75013

888-397-3742


www.experian.com

TransUnion Consumer Relations

2 Baldwin Place

P.O. Box 1000

Chester, PA 19022-1000

Order Credit Report: 800-888-4213

Report Fraud: 800-680-7289


www.transunion.com/myoptions


For access to your free credit reports from all 3 National Credit Bureaus—CLICK HERE...


For concerns you may have about all of the above—except the credit freeze or credit alert—you can get a free full–file disclosure by calling or going to:




Choicepoint Full-file Disclosure

Attention: Full File Disclosure

PO Box 105108

Atlanta, GA 30348-5108


www.choicetrust.com


LexisNexis Full File Disclosure



This information is used to create consumer reports for employment screening, resident screening, insurance underwriting, and volunteer background checks.


The following is a description of the information that will be included in the LexisNexis Full File Disclosure packet that you can receive free of charge once per year:


Two C.L.U.E.® (Comprehensive Loss Underwriting Exchange) reports (one for personal auto insurance and one for personal property/homeowners insurance), each of which summarizes insurance loss history information about you provided to LexisNexis Risk Solutions by participating insurance companies.





This information is used when you apply for auto or homeowners insurance coverage. Also included will be a 'How To Read' guide, which explains the information in the report.





Two Current Carrier® reports (one for personal auto insurance and one for personal property/homeowners insurance), each of which provides summaries of your historical personal automobile or homeowner coverage that has been reported to LexisNexisus by contributing insurance companies.


This information is used to confirm that you currently have personal auto and/or homeowner's insurance coverage as well as indicate any gaps in insurance coverage. Also included will be a 'How To Read' guide, which explains the information in the report.


A pre-employment background check. You will receive this report only if you have applied for a position with a company that used LexisNexis Risk Solutions to create a background report as part of the hiring process.



This report may also include your personal credit information and/or your state driving record if the employer requested this information as part of the background check. This information is used in the hiring process.




A copy of an Esteem® report, which lists circumstances in which you have admitted to, or have been convicted of, theft while visiting or working at a retail company. This information is used by certain retail companies in their hiring process.


A copy of a ScreenNow® report, which displays the results of a national criminal records search of your name and personal information. This information is used in the hiring and volunteer application process.



A copy of a LexisNexis Screening Solutions® resident history report, which includes your personal credit information as well as a search of criminal records. As part of the report, your name is also checked against a national eviction file.




This information is used by many apartment communities in resident screening. You will only receive a LexisNexis Screening Solutions report if you have applied for residence with a company that used LexisNexis Risk Solutions to create a background report about you as part of the resident screening process.


A Public Records Search that shows government records and public information about you such as real estate ownership records, bankruptcies, professional licenses and historical addresses that LexisNexis Risk Solutions maintains or has access to.


This information is used by companies as part of an effort to verify the assets, addresses, identity and credentials of a person as part of an account set-up process or anti-fraud tool.


Government agencies also use this information as part of an investigation of a known or suspected crime.


LexisNexis Risk Solutions offers consumers their Full File Disclosure free of charge once per year. Charges may apply for additional requests.




A Full File Disclosure is available only to a consumer that requests their own file and the request must be submitted with proper identity authentication.




Businesses and government agencies cannot order your LexisNexis Full File Disclosure, but you must understand that they are entitled, if they have legitimate purposes, to order “some” of the reports that comprise your LexisNexsis Full File Disclosure for the business-related activities that “they” conduct.


Through LexisNexis® Risk Solution, you can order certain reports about yourself or certain reports on others such as prospective caretakers, contractors and doctors.


These reports are made available through LexisNexis® for a "small fee" and are prepared by various LexisNexis entities.



Federal Trade Commission (FTC Info)




Report a General Complaint




Your complaint, comment, or inquiry may help the FTC spot a pattern of law violations requiring law enforcement action. It also may help the FTC recognize and tell people about bigger trends affecting consumers. Keep in mind, the FTC does not resolve individual consumer disputes.

To file a complaint about a Company, an Organization, or a Business Practice

• Online: Use the FTC secure complaint form.

• Phone: Call the FTC toll-free helpline:

1-877-FTC-HELP (1-877-382-4357)

TTY: 1-866-653-4261





About Identity Theft





Online: Use the FTC secure complaint form.

• Phone: Call the FTC toll-free Identity Theft helpline: 1-877-ID-THEFT (1-877-438-4338); TTY: 1-866-653-4261



About Spam & Phishing




Forward unsolicited commercial email (spam), including phishing messages, directly to the FTC at spam@uce.gov. These messages will be stored in a database law enforcement agencies use in their investigations.



National Do Not Call Registry




The FTC manages the National Do Not Call Registry, which gives you a choice about whether to receive telemarketing calls at home.


Register Your Numbers


• Online: Use the FTC secure registration form.

• Phone: Call the FTC toll-free Do Not Call helpline:

1-888-382-1222;

TTY: 1-866-290-4236


Report Violations


If your number has been on the National Do Not Call Registry for at least 31 days and you receive a call from a telemarketer that should be covered by the Do Not Call provisions of the "Tele- marketing Sales Rule"—you can file a complaint:


• Online: Use the FTC secure complaint form.

• Phone: Call our toll-free Do Not Call helpline:

1-888-382-1222; TTY: 1-866-290-4236


The FTC will need the name or telephone number of the company that called you, and the date the company called you.


Information for Businesses & Consumers


• Online:


www.DoNotCall.gov


Competition Issues





Questions or Comments about Antitrust Issues


Contact the FTC's Bureau of Competition, and please include your day-time telephone number.


• Phone: (202) 326-3300

• Mail: Write to:


Office of Policy and Coordination

Room 383

Bureau of Competition

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580


• Email: antitrust@ftc.gov

(Note: Email is not secure. Mark confidential information "Confidential" and send it via postal mail)


Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-2222



www.ftc.gov




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The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 


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