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The OTHER Consumer Reporting Agencies  

According to the Department of Justice, each year over 11 million people in the United States have their identity stolen. In fact, identity theft has been the number one complaint filed with the FTC for the past 14 years. “As we have seen in recent months with the various security breaches of databases at retail stores, the level of sophistication of hackers is increasing”, states Jana Castanon, spokesperson for Apprisen. “They are continually working to find ways to gather personal and financial information to commit fraud. With this information they are able to drain bank accounts, make unauthorized charges on credit cards, establish services such as gas, cable, cell and power, obtain medical services and insurance, receive government benefits, gain housing, get a job, and open loans.” 

So how can you protect yourself? Most people know about the three major credit reporting agencies - Equifax, Experian and TransUnion, but are unaware of other agencies that collect information about them. There are companies that know about your check writing behavior, medical conditions, insurance claims and rental history. “As an educated consumer, it is important that you see what is on those reports”, continues Castanon. “Not only to confirm the information is accurate, but to see if you have been a victim of identity theft.”

    Under the Fair Credit Reporting Act, you are entitled to view these reports once a year. While some may be free, others might require a fee unless you can show that “adverse action” has been taken against you because of the information in the file. 

    A full listing of these specialty reports can be found on the Consumer Financial Protection Bureau’s website at www.cfpb.gov and search for consumer reporting agencies. But here are some of the most used agencies:

    Public Records

    LexisNexis Personal Reports details public records and other information filed under your name, including property ownership, criminal history, liens and bankruptcy.  

    www.lexisnexis.com
     or call 866-312-8102

    Check-Writing History

    ChexSystems: www.consumerdebit.com or call 800-428-9623
    Certegy Check Systems: www.askcertegy.com or call 866-543-6315

    Health Care

    The Medical Information Bureau reports contain coded listings of your reported medical conditions and tests. Also, contact your health insurer for an annual statement of your claims and treatments. Compare both for accuracy.
    www.mib.com or call 866-692-6901

    Prescription History

    Milliman IntelliScript: www.rxhistories.com or call 877-211-4816

    Insurance Claims

    LexisNexis Comprehensive Loss Underwriting Exchange (CLUE): www.verisk.com (type “order free report” in the search box) or call 800-627-3487

    Rental History

    CoreLogic:  www.corelogic.com/products/creditiq.aspx or call 888-333-2413

    *Based on a range of information gathered from public and private resources.

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