Any of you guys have a list (complete list) of CRAs operating in the USA...this would include check reporting agencies like chexsystems, etc...would be interested. Seems Citibank is using this new place called "efunds" based in Phoenix..they operate like a Chexsystems, but give the consumer no way to order his/her own report, contact them, etc. which is obviously highly illegal. So I wanted to do more research and need to find a complete rundown of all CRAs not just the big 3, etc etc. Any help/comments is appreciated!
EFD | eFunds Corporation > Contact > Locations Second hit when googling efunds and Arizona. While they may not *think* they are a CRA - here is the FCRA definition (f) The term â??consumer reporting agencyâ? 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. I don't think there is a list per se, some consider Innovis the 4th, although I haven't heard much about them lately, and then there is Lexis Nexis.
This is a new thing that fha,fannie mae,freddie mac use on home loans which is turning into more then intended.So now were screwed 5 different ways.so it is a cra.
