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    46 Consumer Reporting Agencies Investigating You
    46 Consumer Reporting Agencies Investigating You
    46 Consumer Reporting Agencies Investigating You
    Ebook68 pages35 minutes

    46 Consumer Reporting Agencies Investigating You

    By Ronald E. Hudkins

    4.5/5

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    About this ebook

    WHO - You might not realize there’s false or potentially damaging information being reported about you until you get turned down for a job or insurance. So, get in the habit of occasionally ordering specialty consumer reports along with your credit reports.
    The credit bureaus are enormous corporations with enormous power. They are also still primarily motivated by the money they make by selling your credit information.

    WHAT – The unfortunate fact is that the big three Credit Reporting Agencies and the many other Specialty Credit Reporting Agencies are not following the FCRA to the best of their ability and in turn are providing inaccurate and/or un-reportable information to agencies requesting your personal information.

    WHERE – You need to go to fix things is shown in this booklet as it contains contact data to the three nationwide credit reporting agencies and a large number of nationwide specialty credit reporting agencies.

    WHY – You need this book is because fortunately, you do have recourse. The same federal Fair Credit Reporting Act that guarantees you the right to access and correct your credit reports also regulates specialty consumer reporting agencies.

    WHEN – Errors on your credit report are made they can be costly, so it’s very important to make sure that you see what’s being reported about you on your credit report often, especially before you apply for a loan of any kind.

    HOW - Because credit reporting agencies deal with millions of data records every month and they are very prone to making mistakes. Even worse, what if someone has hijacked your identity and is poisoning your record with their own bad behavior? According to a report by the FTC, one in five Americans has a mistake on their credit report.

    Buy this book now. Read, Check and Know your Personal Data is Correct.

    LanguageEnglish
    PublisherRonald E. Hudkins
    Release dateApr 21, 2018
    ISBN9781370602186
    46 Consumer Reporting Agencies Investigating You
    Author

    Ronald E. Hudkins

    Ronald E. Hudkins (1951-Present) was born in Canton, Ohio and grew up in Massillon, Ohio. He was drafted into military service in 1970 where he remained up until 1993 when he retired honorably from the U.S. Army, Military Police Corps. During his service and after, he attended many universities that include Kent State University, Maryland University, Central Texas College (European Branch), Blair Junior College, Hagerstown Junior College and Phoenix University. He mostly completed general studies but declared two majors in the areas of Business Administration and a Bachelor of Science in Information Technology. Although he was an intelligent student he was never on the Dean's List, or voted a most likely to succeed candidate. He did not graduate with any specific degree however if you were to consider all his credits and self-study he could reasonably be considered a Rogue Scholar.

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    Reviews for 46 Consumer Reporting Agencies Investigating You

    4.5/5

    6 ratings3 reviews

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    • 5/5
      AWESOME INFORMATION!! It's so horrible consumers do not know the true extent of their information that is bought and sold on a daily basis and by so many companies (data furnishers), not just by the ones consumers are allowed to know about! And this information was written in 2018!!! The number of data furnishers probably has tripled in 2021!!
    • 2/5
      Nothing earth-shattering here or anything new that's not readily available with a simple Google search.
    • 5/5
      Absolutely, the best information so far from Scribd very valuable

    Book preview

    46 Consumer Reporting Agencies Investigating You - Ronald E. Hudkins

    46 Consumer Reporting Agencies Investigating You

    Copyright Notice

    All Rights Reserved © Ronald E. Hudkins 2018

    ISBN-13: 978-1717185303

    ISBN-10: 1717185304

    In accordance with the U.S. Copyright Act of 1976, the scanning, uploading and electronic sharing of any part of this book without the permission of the publisher constitute unlawful piracy and theft of the author’s intellectual property. If you would like to use material from the book (other than review purposes) prior written permission must be obtained by contacting the publisher in writing an Email to the author @ ronald.hudkins@yahoo.com

    Additional License Notes

    This eBook is licensed for your personal enjoyment only. This eBook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return it and purchase your own copy. Thank you for respecting the hard work of this author.

    Thank you for your support of the author’s rights.

    Disclaimer

    This booklet is intended to provide general information and should not be considered legal, tax or financial advice. It’s always a good idea to consult a legal, tax or financial advisor for specific information on how certain laws apply to you and about your individual financial situation.

    Table of Contents

    Introduction

    Who Can See Your Credit Report?

    You Can Get Rejected Without Warning

    How To Request A Report

    Know When To Check A Report

    Your Right To Dispute Information In Your Reports

    Listing Of Consumer Reporting Companies

    Employment Screening

    Tenant Screening

    Check And Bank Screening

    Personal Property Insurance

    Medical

    Low-Income and Subprime

    Supplementary Reports

    Utilities

    Retail

    Gaming

    Building Your Credit From Scratch

    How To Get A Copy Of Your Credit Reports

    Submit A Complaint To Consumer Financial Protection Bureau

    Frequently Asked Questions

    Introduction

    You should know that a consumer reporting agency" or CRA means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. (15 USCS § 1681a).

    You should know there are more than the three major consumer reporting companies (Equifax, Experian and TransUnion).  There are also many specialty consumer reporting agencies. All of these consumer reporting companies you are about to discover collect information, compile it and subsequently provide (sell) these reports to other companies telling them all about you.

    A creditor, as defined by the Fair Credit Reporting Act (FCRA) as a company that furnishes information to consumer reporting agencies. Typically, these are creditors, with which a consumer has some sort of credit agreement (such as credit card companies, auto

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