Was denied a CC with Elan.... CRA pulled : CSC Credit Services PO Box 981221 El Paso TX 79998-1221 Phone: 800-392-7816 http:www.csccredit.com you can order your report online-(to be mailed) S23
Do they get all their information from Equifax? Do they keep their own file's on you? How come we can't get a free annual report from this CRA and in fact all CRA big and small once a year? Or did FACTA only apply to the big 3? Thanks, Jane
Re: Re: The 5th CRA! The are the local affiliate of EQ...they exchange info to/from EQ They are a subsidiary of EQ...from their website: "In 1982, CSC launched a strategic acquisitions program to dramatically widen our presence in the credit services industry, acquiring more than a dozen credit bureaus over six years and combining databases with Equifax Inc. to create the largest national credit file in the United States. Why couldn't you get the free reports from any of them?...ANY CRA must supply one free copy of a consumer's credit report per year It applies to ANY CRA
Re: Re: Re: The 5th CRA! Ok thanks for this info. So just to make sure I correctly understand what you are saying. You are telling me that I can request my free annual credit report from any and all CRA's no matter how big or small they are? What if they aren't up to speed with FACTA and refuse me my free copy unless I'v been denied credit using their report? What would I quote them so they understand that whether or not I am denied credit based on their report of me I am entitled to my free credit report from them? Thank you, Jane
Re: Re: Re: Re: The 5th CRA! Here is a site with an analysis of the FACTA requirements http://www.consumerlaw.org/initiatives/facta/nclc_analysis.shtml *Note: The free annual report requirement is being "phased in" gradually this year...depending upon the area of the country you live in you may already be eligible for a free report. If, however, you live in the Northeast, you are not eligible to receive a report until Fall, 2005
