I just received a letter from them this week, thanking me for requesting my credit file? I have no clue what Risk Wise is and have never requested a credit file from them. Anyone know who they are? Are they a smaller credit reporting agency? Thanx in advance!!!
Hi, Is it possible to call the credit reporting agency, and ask them who this is, and what is going on. Look at the end of my post, about why you should probably not call them directly. I wonder if someone is trying to do something illegal, and pulled your credit report? Did you sign up for some service that pulled your report for you? I know I am asking more questions than answering your post, but I was just trying to give you an idea of what you might look for. Even if I didn't help you, at least your post got moved back up to the top..... I almost forgot, it could be a collection agency sending you a letter pretending to be someone else, and just wants you to call. If that is the case, I would be careful calling them.........
Hmm..good points! Thanx for your help! I havent signed up for anything that would require my credit to be pulled b/c I am in the process of clearing it and didnt want to mess it up! Out of curiousity, I called...it didnt even say Risk Wise..it said something else? Weird......
Hey, go to the site and click the link: Products, then Phonefind. Apparently, they will send you a letter saying you have a telegram, then when you call to retrieve it, they get your phone number. Look at the entire site, it is kinda creepy how they can get information on you. Now I am glad I told her not to call them. (whew!!)
I know! I know! I know! Maybe Risk Wise is Keyser Soze's brother! Doc P.S. Sorry. Just trying to fit in. Cough, cough.
Okay yall, fortunately for me, I dialed the wrong 800 # listed on the paper! Whew!! Okay, yall this is a SCAM SCAM SCAM! I just looked over the paper and it reads as follows: Thank you for requesting your consumer file, commonly called a Consumer Credit Report. Your Consumer file from RiskWise contains your public record information including name, address, phone number and social security number. Also included in your consumer file is bankruptcy information (if applicable) and a listing of companies who have requested your file in the last 12 months. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy. Then it goes on to say (after a bunch of blah blah blah stuff) Please complete and send us your Research Request Form. Sending it to any other address will only delay the processing of future requests. Yall, the research request form that they're asking me to send asks me to give them a copy of my social security card, W2 form, birth certificate, current pay stub, drivers license, current utility bill (with current address listed), phone bill, current credit card bill and a government issued ID card. This is very scary! Sorry this post was so long but I just wanted to share with yall!! Read that site! Its creepy!! Sneaky jerks!
Did anyone read this at the website??: This is how we will handle information we learn about you from your visit to our website. The information we receive depends upon what you do when visiting our site. If you visit our site to read or download information, such as consumer brochures or press releases: We collect and store only the following information about you: the name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or princeton.edu if you are connecting from Princeton University's domain); the date and timeyou access our site; and the Internet address of the website from which you linked directly to our site.
Did you get a report? Is there an inquiry on your CR? They appear to be a software developer who's designed sophisticated ID verification and skip tracing stuff. It looks like Equifax is one of their "startegic partners". Have you recently ordered an Eq report and have not yet received it? Unless I miss my guess they are piloting a program whereby RW will confirm the identity of those who request their report by demanding all these documents. I knew this was coming since EQ and the CRA's have been belly aching about ID theft in preperation for something like this. Once they work out the bugs it'll roll out all across the country. It's not hard to see what's coming from bureaucrats. They always start by whipping up the rhetorical frenzy about a topic and gradually turn it into a REAL problem. Of course there's only one entity who has the ultimate answer - THEM, of course. One need only watch a liberal politician to see my point. I've watched the "ID Fraud" rhetoric pick up steam for some time now, as have you. Imagine how much they can slow down the reporting process by demanding all this stuff before you can even get a report. I, for one, will send them my disputes all notarized and include a sperm sample, for id purposes of course.
Jia-Li, Please go start a seperate thread "Who's Risk Wise?". Lets see if anyone else has gotten these.
BUT, if jia-li didn't request anything from risk-wise then it would seem to me they are misrepresenting things. I am sure there is a lawsuit waiting to happen, depending on what they ultimately do with the info...
Jambe it would be a request for a report or something from EQ. Or some sort of activity with EQ initiated by Jia-Li. EQ would then farm it out to RW to verify his ID. I don't know, maybe it's only because there is suspicion of fraud activity on his file or something. We need to get to the bottom of this. I intend to write them and find out if they have a "file" on me. Jia-Li is there a fraud alert on your file?
That site is SCARY!!! Man, all this talk about automated risk determination, and no talk about making sure the information is accurate. I especially don't like the IDguard product, with SSN figured so prominently. On a totally different topic, does anyone know of law that would prevent SSN from being listed on court documents that are publically available? I was just realizing today that a number that is used to ID you and should be kept private is plastered all over my bankruptcy papers. Anyone with a PACER login and my name could get my SSN and an address that was at least valid at one time. Hmmmm, you wouldn't even need a name, as you could just look for recent cases...
LOL From their site. When electronic searches won't work PhoneFind helps collection professionals improve contact rates, skip-tracing procedures, and recoveries. PhoneFind uses a high-impact mailing, automated number identification (ANI), and phone searching technology to locate telephone information. It's a highly effective complement to electronic and manual skip-tracing procedures, and it is particularly useful for contacting new movers and individuals who may have unlisted or nonpublished phone numbers. Here's how it works 1: Simply provide an electronic file containing name and address information for the individuals you need to contact. 2: Upon receipt, RiskWise sends a high-impact priority letter informing the individual there is a personalized voice-telegram waiting. 3: When the individual calls to receive the voice-telegram, the phone number is obtained through automated number-identification. When the individual enters the security code from the letter, a customized message from your organization is provided. 4: New information is returned each day so contact can be resumed in a fast and efficient manner. Money to the bottom line -- With response rates of 20 to 65 percent, PhoneFind is a tool that can significantly improve contact and recovery rates. PhoneFind processing can also include change of address updates, bankruptcy and deceased processing, and data clean-up procedures to further improve and streamline recovery efforts.
Almost all websites do this. They also can record what time of day it was, your geographic location (if available), which browser you are using, the speed of your connection, and various other tidbits that may be available from your computer.
If you call your local bk court, and use the automated system, input the case #, it will give you the name of the filer, as well as address, ss#, filing dates etc.
