What Is Early Warning Services? Early Warning Services (Early Warning®) is a consumer reporting agency that provides data and tools to over 2,500 US banks and financial institutions, which helps them detect fraud, assess risk, and verify identities. This ultimately translates to better-informed decisions that benefit both institutions and consumers. Additionally, Early Warning® manages the … Read more
The Fair Credit Reporting Act (FCRA), initiated in 1970, is a U.S. federal law that aims to ensure the accuracy, privacy, and fairness of information in your credit reports. It applies to consumer reporting agencies (CRAs), including credit bureaus like Equifax, Experian, and TransUnion, and protects consumer rights in several ways. The Federal Trade Commission … Read more
TeleCheck is a check verification company that serves over 374,000 businesses across the US by providing check processing, check acceptance, and risk analytics services. Founded in 1964 and now a part of Fiserv Inc., this consumer reporting agency helps businesses reduce fraud and consumers avoid identity theft. TeleCheck ensures smoother, safer check transactions for both … Read more
What is ChexSystems? ChexSystems is a consumer reporting agency in the United States specializing in tracking information about savings and checking account history. It gathers data on overdrafts, bounced checks, account closures, suspected fraud, and account applications from your closed bank accounts. The collected data is kept in the records for up to five years. … Read more
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