We are a consumer reporting agency reseller. We deliver bureau credit reports to your business — only after the consumer signs a written authorization and we verify their identity. Every pull has a permissible purpose under 15 U.S.C. § 1681b.
We onboard end-users one industry at a time. Every business customer signs an end-user agreement, completes our compliance training, and certifies a permissible purpose under FCRA § 604.
Tri-merge and single-bureau pulls for credit decisioning. Adverse action notices delivered automatically when required.
§ 1681b(a)(3)(A) · Credit transactionsTenant screening reports with the consumer's written authorization. Includes adverse action workflow when an application is declined.
§ 1681b(a)(3)(F) · Legitimate business needEmployment screening only where state law permits and only with a stand-alone written disclosure and authorization per § 1681b(b)(2)(A).
§ 1681b(a)(3)(B) · EmploymentFCRA § 604 lists exactly when a consumer reporting agency may furnish a credit report. We certify a permissible purpose for every single pull and reject any request that doesn't qualify.
Consumer initiated a credit application or holds existing credit being reviewed.
Pre-employment or current employment review with proper disclosure and written consent.
Underwriting insurance involving the consumer.
Determining eligibility for a government-issued license or benefit.
Assessing credit or prepayment risks on existing credit obligations.
Tenant screening, account review, and similar transactions initiated by the consumer.
Establishing or modifying a child support award by an authorized agency.
Direct written authorization from the consumer to release their report to a named third party.
Court order or federal grand jury subpoena.
No shortcuts. No exceptions. The same compliant workflow runs whether it's report number one or report number ten thousand.
Your business certifies the permissible purpose, the consumer's identity, and the specific transaction triggering the request.
The consumer signs a written authorization through our secure portal. We verify identity with knowledge-based authentication.
We request the report from our supplying consumer reporting agency under our reseller agreement and your certified purpose.
The report is delivered to your authorized portal user and the full transaction is logged for our 5-year audit retention.
As a reseller of consumer report information we are subject to the Gramm-Leach-Bliley Act Safeguards Rule. Our information security program covers technical, physical, and administrative controls.
TLS 1.3 in transit. AES-256 at rest. Tokenization for consumer identifiers. Separate keys per data class.
MFA required for every portal user. Privileged access requires hardware-key authentication.
Every report request, authorization, identity check, delivery, and access event is immutably logged.
Background checks, confidentiality agreements, role-based access, and quarterly access reviews for all staff.
Locked office space, locking file cabinets, cross-cut shredder, monitored alarm. Bureau-inspection ready.
Annual third-party security assessments and penetration testing. Findings tracked to remediation.
We're a consumer reporting agency under the FCRA. That comes with serious obligations. We meet them — and we publish them.
We maintain reasonable procedures to limit furnishing of consumer reports to permissible purposes only and to ensure maximum possible accuracy of the information we resell.
Read our procedures →Consumers can dispute information we furnished or delivered. We investigate within 30 days and forward disputes to the originating consumer reporting agency.
File a dispute →When end-users take adverse action based on a report we delivered, we support the required notice with consumer name, address, telephone, and statement of rights.
Adverse action info →We honor and reconvey fraud alerts, active duty alerts, and identity theft notices included by the originating bureau on every report we deliver.
Fraud alert procedures →We maintain a written information security program meeting FTC Safeguards Rule requirements, with a designated qualified individual responsible for it.
Information security program →We comply with state-specific credit reporting laws including those in California, Vermont, Washington, Massachusetts, and others. Specific notices delivered as required.
State notices →Under federal law, every consumer has the rights below — for free. We support them all.
Full Summary of Your Rights →One free credit report each year from each major bureau via annualcreditreport.com.
Dispute incomplete or inaccurate information. The bureau must investigate within 30 days.
If you're denied based on a report, you get a free copy from the agency that supplied it.
Our office is bureau-inspection ready: permanent signage, locked storage, secured network, and operating business hours. Schedule a visit if you want — just call ahead.
For consumer questions about your own report, see the Consumer Rights section of our Compliance Center.
