ACIS and Checkpoint, INC.

Discussion in 'Credit Talk' started by tom65432, Sep 21, 2001.

  1. tom65432

    tom65432 Well-Known Member

    ACIS keeps pulling hard inquiries from my Equifax file. Does anyone know who they are? I have no idea. They are the only hard inquiries I have other than one in April from Nextcard (which I authorized). I have not applied for any credit since April, so no one should be pulling hard inquiries.

    Also, Choicepoint, Inc. is pulling soft inquiries, saying it is AR. Does anyone know who they are? I never heard of them.
  2. Erica

    Erica Well-Known Member

    Do you subscribe to a monitoring service? That might be it.
  3. Hal

    Hal Well-Known Member

  4. tom65432

    tom65432 Well-Known Member

    No, I do not subscribe to a monitoring service.
  5. Erica

    Erica Well-Known Member

    ChoicePoint and ACIS are the same thing. They are a collection agency.
  6. tom65432

    tom65432 Well-Known Member

    Erica: Thanks for the info. I looked at the site you gave me. I see where Choicepoint is a collection agency (all the email addresses listed are Choicepoint). But, where do you see ACIS? It looks like the company is National Credit Audit Corporation, but I did not see ACIS listed. Am I missing it?

    And, why would Choicepoint pull a soft inquiry if it was a collection agency, but ACIS is pulling a hard inquiry?

    Our hamster had eight babies. I am willing to mail one to anyone who can help me with this. (this is another way of saying have you ever tried to give away 8 hamsters?)
  7. tom65432

    tom65432 Well-Known Member

    I just looked again at the site. They are from Peoria, IL. I have never dealt with them and they have not contacted me. All the contact info on my credit reports is correct so they could contact me if necessary. And, they have not reported anything negative on my reports. I have reviewed all three credit reports this week. All my bills are current and up to date. So, why would they keep pulling my credit reports? These inquiries go back at least to February.
  8. breeze

    breeze Well-Known Member

    Call their hand. Send 'em a nice letter asking them why. They are putting you on a blacklist by doing this - it could be construed as malicious.
  9. tom65432

    tom65432 Well-Known Member

    What do you mean they are putting me on a blacklist? Do you mean they are hurting my credit by pulling numerous hard inquiries?

    Any ideas why they keep doing this when they have never contacted me for any reason?

    And, who is ACIS?
  10. marci

    marci Well-Known Member


    I thought ACIS on an Equifax inquiry list reflected that Equifax retrieved a new report (did you access it online or have one sent to you?) or updated the report after a dispute.

    I get the ACIS listing as well, though I believe it is on the date that an investigation is completed. On the other hand, the last time I disputed, they wouldn't deal with me but referred me to their "consumer affairs" (i.e. legal) dept.

    Go figure,
  11. tom65432

    tom65432 Well-Known Member

    I don't know. They sent me a photocopy of the report and it did not include the list of codes. Anyone else know?
  12. AJiLE

    AJiLE Well-Known Member

    I JUST got off the phone with an Equifax representative, and ACIS is indeed THEIR system, not a "collection agency". The dates on my report do indeed concur with dates of disputes.

    A. J.
  13. Saar

    Saar Banned

    I believe marci is right. My EFX report shows a few inquiries titled:

    "Equifax - Disclosure ACIS xxxxxxxxx" (where xxxxxxxx represents a number).

    I'm 100% sure I have no collection account anywhere, and since it's classified as a "disclosure" inquiry (read: soft) on my report, I'm not worried about it.

  14. marci

    marci Well-Known Member

    Yes. They do on mine too, when the investigations have been "updated" or completed.
  15. tom65432

    tom65432 Well-Known Member

    Thanks. But why is Checkpoint checking me out? Why would a CA do soft inquiries when they have never contacted me?
  16. breeze

    breeze Well-Known Member

    Skip tracing.
  17. lifetime

    lifetime Well-Known Member

    State farm uses Choicepoint Inc
  18. tom65432

    tom65432 Well-Known Member


    I think you got it. There is a state farm agent who keeps calling me trrying to sell me insurance. He must be pulling the soft inquiries. I did not know they used Checkpoint.

    At least I like your answer better than the other one - skip tracing.
  19. breeze

    breeze Well-Known Member

    Sorry, hehe. ;)
  20. Erica

    Erica Well-Known Member

    I'm not sure that Checkpoint and Choicepoint are the same thing. Call them and ask.

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