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Secret Credit Bureaus and their Responses


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This is just an FYI to those who are going to query the 'secret' credit bureas for information. This was a really interesting part of my credit repair process plus a good diversion from dealing with the antics of the CRAs. It is scary and enlightening to think that so many people have information on you that you have no idea they have.

To-date, all of the bureaus listed on creditinfocenter.com have responded except CSC and Chexsystems (big surprise!)

Innovis:

I have a dispute pending with Innovis but they have thus far been responsive and cooperative.

CourthouseDirect.com:

Had their attorney send me a letter saying they are not bound by the FCRA but then he included a "btw, we don't have any records on you" comment just I think the rest was just him blowing smoke.

MIB:

Won't accept a written request, requires you to call (866.692.6901 or TTY 866.346.3642) and complete an automated phone interview in order to get your report.

LexisNexis, Teletrack, National Consumer Telecom & Utilities Exchange, Inc, and ChoiceTrust/ChoicePoint (aka C.L.U.E. Inc) were all responsive.

The only one I didn't contact was Thompson as it wasn't clear which leg of their organization should be tapped for the consumer report.

Good luck if you decide to contact them...I think its worth it.

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  • 3 years later...

CourthouseDirect.com:

Had their attorney send me a letter saying they are not bound by the FCRA but then he included a "btw, we don't have any records on you" comment just I think the rest was just him blowing smoke.

Administrative:

HOUSTON TX

US 77092-8840

713.683.0491

Registrant:

Right of Way Acquisition Services, Inc.

Houston TX

US 77092

I wrote them a letter requesting a copy of the report they maintain on 1 April and then followed up with a call to them today. I spoke with a girl named Sona who answered the phone and when I inquired as to why I have not heard back from them I was transfered to a customer service line that immediately went to VM. Has anyone gotten a report from these guys?

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