I received an alert from Creditwatch tonight so I logged on to find a new inquiry from this company... I checked out their website and found this: ChoicePoint is the nation's leading provider of identification and credential verification services. After reading through their site I'm quite concerned. Has anyone had any experience with them? How would I find out who is behind the inquiry?
Sue them for even looking, thats not permissible purpose and Under FCRA Section § 619. Obtaining information under false pretenses [15 U.S.C. § 1681q] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.
They do insurance, also employment and ID verification. Applied for a job? An online account of some sort? Or maybe someone used your name or SSN....
Choice point is the second listed, from http://www.drkoop.com/hcr/insurance/library/gen/basics/knowcontact.asp Sassy See What Your Insurance Company Sees: A Guide to Obtaining Your Own Reports Insurance companies have access to an extensive amount of information about your life, your family, your health and your personal history. There are database and information-managements companies that exist solely to traffic in this information. You may wonder how much they know about you â?? and if the information is correct. The problem is, even you don't have access to all the data that is collected about you. Below, we summarize your access to your own personal information. Information Collector What Do They Know About You? Can You See It? How Can You Get Your Own Report? Insurance Services Office (ISO) The "All Claims" database: your credit report, claims history, motor vehicle report, doctors you've been to, depositions given about you. Yes, but only if you have been denied a claim and you suspect there is an error in your report. Call (212) 898-6000. Ask for the American Insurance Services Group, then ask for a copy of your "A-Plus" report. ChoicePoint The CLUE database: your credit score, claims history, driving record. Yes, you can get your report at any time. Call ChoicePoint's Consumer Disclosure Center at (770) 752-6000. It'll cost you $8 to $10. Fair, Isaac Calculates your credit score. Fair, Isaac will not give you your score. Some lenders or insurers will show your score to you, but the score by itself is just a number that carries no meaning outside the lender's or insurer's system. Medical Information Bureau (MIB) Contains medical conditions that could affect life expectancy or health (about 230 different types). Recorded when you filed claims or applications for disability insurance. Yes, but it may take up to 30 days. Visit the MIB Web site at http://www.mib.com. Download the PDF form, fill it out, and send it in with the $8 search fee. You can also write or call: MIB Inc. P.O. Box 105 Essex Station Boston, MA 02112 (617) 426-3660 Patient InfoSystems Detailed information about your specific medical conditions, such as asthma or high blood pressure, plus what kinds of drugs you have taken. The company creates custom programs for health plans to help patients manage their illnesses. No, you cannot access your own information
http://www.choicepoint.net/ employment: http://www.choicepoint.net/industry/retail/pre_emp.html direct marketing, customer management http://www.choicepoint.net/industry/retail/direct.html Identity verification: http://www.choicepoint.net/industry/retail/public_cbi_2.html choicepoint for consumers - check on your doctor, realtor, etc. and check your own records: http://www.choicepoint.net/industry/consumer/info_cen.html
I have USAA insurance and they use Choise Point Services. I get at least one inquiry per year from them. I am currently disputing it with Experian. On another note, I used Doc's trick and I have had 3 deletions so far. Thanks Doc.
I have not applied for a job, insurance or anything online. Nothing since the auto loan in April. It seems very strange to me to say the least!!!
I have USAA and have never had an inquiry from choicepoint or USAA - which company is yours with? I am really curious what they are doing with this now. I had AR from USAA FSB last year, right before they sent me a couple of offers for credit in the mail - but that's it. I am "former dependent" (civilian) - the company they placed me with is USAA Casualty. Nobody can touch their premiums - and then I get money back each year (not much this past year, LOL). I think USAA Indemnity is for enlisted personnel, and the "Association" is officers.
OK now this is really strange This is from the CreditWatch notifications: Date we e-mailed you: 05/18/2002 Date Viewed: 05/18/2002 Items*: N/A Credit Detail Status:Credit Inquiries The following company requested a copy of your credit file. Firm: CHOICEPOINT SERVICES Inquiry: 05/2002 After looking at my report there is NO inquiry on there from them or from anyone since 4/10. WEIRD!
I get wierd stuff sometimes too. I tried to pin them down on one, and they just sent me a new copy of my report - the item I was concerned about wasn't there. It still baffles me, where these come from.