Best Online Savings, CDs, and Money Market Rates

  • Home
  • Savings
  • CD Rates
  • Mortgages
  • Bank Games
    • Bank Game: Financial Football
    • Bank Game: Road Trip to Savings will Make or Break You
    • Jet-Ski Your Debt Away
  • Articles
    • We Are Rich
    • Time or Money
    • 7 Correct Money Principles
    • A Penny Saved Is A penny Earned
    • Slash Spending – Boost Your Money Market Account
    • Save Money on Household Utilities by Going Green
    • Saving Money and Sanity with Realistic Savings Goals
    • Money Resolutions: 3 Steps to Keep Them
    • How to Earn 13 Times the National Average Savings Rate FDIC Insured
    • 3 Easy Rules for Saving Without Budgeting
    • Budget According To Priorities Not Impulses
    • How Market Linked Certificates of Deposits Work
    • 15 Money Saving Tips That Will Beef Up Your Savings Account
    • Simple Steps to Getting a Savings Account
    • Savings Tips for Thriving in the Recession
    • 10 Simple Ways to Save Money Now
    • Real Money Saving Tips- From Real People
    • Just What Is a Savings Account?
    • What is a Rainy Day Savings Account?
    • Money Market Account vs. Savings Account Comparison
    • How to Find and Reduce Hidden Expenses
    • Is Your Bank Doomed to Fail? 5 Ways You Can Protect Your Savings Account
    • Traditional IRAs
  • Home
  • Savings
  • CD Rates
  • Mortgages
  • Bank Games
    • Bank Game: Financial Football
    • Bank Game: Road Trip to Savings will Make or Break You
    • Jet-Ski Your Debt Away
  • Articles
    • We Are Rich
    • Time or Money
    • 7 Correct Money Principles
    • A Penny Saved Is A penny Earned
    • Slash Spending – Boost Your Money Market Account
    • Save Money on Household Utilities by Going Green
    • Saving Money and Sanity with Realistic Savings Goals
    • Money Resolutions: 3 Steps to Keep Them
    • How to Earn 13 Times the National Average Savings Rate FDIC Insured
    • 3 Easy Rules for Saving Without Budgeting
    • Budget According To Priorities Not Impulses
    • How Market Linked Certificates of Deposits Work
    • 15 Money Saving Tips That Will Beef Up Your Savings Account
    • Simple Steps to Getting a Savings Account
    • Savings Tips for Thriving in the Recession
    • 10 Simple Ways to Save Money Now
    • Real Money Saving Tips- From Real People
    • Just What Is a Savings Account?
    • What is a Rainy Day Savings Account?
    • Money Market Account vs. Savings Account Comparison
    • How to Find and Reduce Hidden Expenses
    • Is Your Bank Doomed to Fail? 5 Ways You Can Protect Your Savings Account
    • Traditional IRAs

Consumer Reporting Agencies- Who Is Gathering Data About You?

by

 

consumer-reportsBelieve it or not, you are for sale! Yes that’s right, every aspect of your life is up for grabs and there are companies making a lot of money with your personal information. These companies are known generally as consumer reporting companies. They gather data about you such as your credit and payment histories, mortgage histories, rental histories, checking account histories, medical and pharmacy histories, and the list goes on!

Sold To The Highest Bidder!

Once these companies gather your information, they put it up for sale for anyone who wants to purchase it. It’s a multi-billion dollar per year business! And in the information age we live in now, business is booming for them!

Important Information Regarding The Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act was enacted by Congress in 1970 to reign in the almost Mafioso tactics consumer reporting companies would use in collecting and distributing your information, which made getting loans a very intimidating process. The thing with the FCRA, is it not only applies to consumer credit reporting, which we are most familiar with, it also applies to ANYONE who gathers data on you for any reason. In short, you are allowed to obtain the reports these companies are compiling about you. It’s one of your rights per the FCRA.

The following is a list of the most common credit reporting companies:

Casinos:

(APG) The Asia/Pacific Group on Money Laundering www.apgml.org
Central Credit Services GCA (Used to stand for Global Cash Access, now branded just as GCA) Their business is for casino check verification and for gambling markers.

702-855-3000

702-262-5000

Checking Accounts:

Certegy/Equifax 1-800-437-5120
CheckCenter/CrossCheck 1-800-843-0760
ChexSystems 1-800-428-9623 www.consumerdebit.com
International Check Services 1-800-526-5380
SCAN 1-800-262-7771
TeleCheck 1-800-710-9898

Consumer:

Equifax
P.O. Box 740241
Atlanta, GA 30374

1-877-784-2528
1-800-685-1111
www.equifax.com

Experian
P.O. Box 9701
Allen, TX 75013

1-800-493-1058
1-888-397-3742
www.experian.com

TransUnion

P.O. Box 2000
Chester, PA 19022

1-800-916-8800
1-800-888-4213
www.transunion.com

Teletrack 1-800-729-6981

LexisNexis 1-800-543-6862

www.lexisnexis.com

 

Background Checks:

www.Choicepoint.com

Employment:

ChoiceTrust Employment Reports 1-866-312-8075

www.TheWorkNumber.com

Insurance:

CLUE Auto History: 1-866-312-8076
CLUE Homeowner’s History 1-866-312-8076
ISO’s A-Plus Auto and Property Databases 1-800-709-8842

Medical Information:

Medical Information Bureau (MIB) 1-617-426-3660

Rental Information:

Accufax 1-800-256-8898
American Tenant Screen 1-800-888-1287
ChoicePoint Tenant History Reports 1-877-448-5732
National Tenant Network 1-800-228-0989
Tenant Data Services 1-800-388-2335
UD Registry 1-818-785-3905
First Advantage SafeRent 1-800-811-3495 www.saferent.com

Mortgage Financing:

Innovis 1-800-540-2505

How Do I Get My Reports From These Companies?

You can obtain your own personal reports from these companies by either simply calling them and requesting it or submitting in writing your request per your Fair Credit Reporting Act rights. The companies will then send your report to you.

Many of my clients that I have worked with in the past feel almost violated that these companies exist and are farming their personal information. This is a very understandable feeling especially for people who are very weary of technology. My goal in this article is to make it less frightening by helping you understand some of your rights as it pertains to your personal information. You now have the basic information needed to see what THEY know about you. Good luck!

Filed Under: Auto Insurance, Checking Accounts, Credit Cards, Credit Scores, mortgages, Personal finance  Tagged: checking account, credit, credit reporting, equifax, experian, get your credit reports, insurance, transunion

Money Matters

  • Compound Interest Money Market Calculator
  • Saving Money On Investment Fees
  • Protected: This Week’s High Yield CD, Savings & Checking Deals
  • Tips To Dine Out For Less
  • Don’t Let Uninvited Guests Ruin Your Interest Rate Party
  • Pay Less At The Pump
  • 6 Ways To Save Money On Your Utilities

Advertiser Disclosure: Many of the deposit account listings appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit Union deposits are insured by the National Credit Union Administration. Many banks and credit unions show different rates on their own websites. Identify yourself as a Bankrate consumer to get the rates displayed in the listings above. If you are dissatisfied by the institution you choose or believe you have received an inaccurate quote, please let us know.

Rates Proudly Powered by:

Bankrate

APY

APY or the annual percentage yield is the real rate of return of an investment over a period of a year taking into account the effect of compounding interest.

Compound Interest

Compound interest occurs when the interest earned on an account is credited back to the account and then interest is earned on the new total balance.

Depositor Insurance

All banks and credit unions listed or reviewed on this site are either FDIC insured or for credit unions NCUA insured. Currently FDIC and NCUA insurance provide insurance up to $250,000 per depositor per institution.

National Average Savings Rate Calculation

The national average calculations were obtained from the Weekly National Rates published by the FDIC.gov website.

  • Saving Rates
  • CD Rates
  • About Us
  • Terms of Use
  • Privacy Policy

2173 West 970 North St. George, Utah

© 2022 RateCatcher.com - All Rights Reserved.