Credit Bureau - US Credit Report & Debt Records

Back in the day with the old FBI, you could actually request your own records if you wanted—just for your eyes only, obviously, not for anyone else. Of course, you had to cough up the processing fee first.

Do you happen to know what kind of asking price they were looking for?

And just a quick side note—are we talking about the full-blown version that major banks use, or is this some sort of "lite" edition meant for individual users?

According to archives from their site, the whole thing ran about $33.
The link to the PDF explaining the report's contents didn't make it into the archives, unfortunately.

If you opted for email delivery, it cost $13, and it looked something like this. 🙂

It’s pretty eye-opening, isn't it?

I mean, I honestly can't wrap my head around how a bank actually gets access to someone's employment contract. How do they know if you're on a permanent role, a contract position, or exactly when your term ends? It’s just wild to me. 😁

Kevin Morris12 said:So, does the FBI finally have eyes on every single credit card out there, including all the limits and how much of that credit is actually being used up?

I’d honestly love to get my hands on one of those reports, if only out of pure curiosity to see EXACTLY what kind of data they can access. Is that even something a regular citizen can request?

You can't exactly search for it in the OSR. HROK might have been able to, though. Neither Chase cards nor Citibank cards are included in the OSR system, but there's a link that uses the same thing:

I was looking through the user terms on the HROK website earlier. It’s pretty standard stuff if you’re used to reading fine print, but I guess there are a few things worth noting for anyone actually planning on using their services. The breakdown covers how they handle user data and what the responsibilities are on both sides. It’s mostly the usual legal jargon regarding liability and service usage, though it does lay out clearly how they manage account security and any potential disputes. If you're planning on linking a Chase card or a Citibank card to anything within their ecosystem, you might want to pay closer attention to the sections on transaction processing and data privacy. It seems fairly straightforward, but then again, these things always have those little clauses that can trip you up if you aren't paying attention. Just a heads-up to read it all before clicking "agree," I suppose. Not much else to say about it, really.

Regarding what it says here, I’d say you can definitely request an audit.

"Your rights are as follows:
If we're processing your data within the OSR system, you have the following rights regarding us as the data controller:
1. Right of access to personal data
Regarding any info processed in the OSR system, you can ask for confirmation as to whether your personal data is being processed and request a copy of that data if it is indeed being processed.
...
You can exercise these rights by submitting a written request in person or through an authorized representative at any bank branch.
Additionally, you can submit a written request for data access to HROK at 17th Street, Washington, D.C., provided it includes your verified signature (for example, notarized)."

That doesn't mean you're actually getting a formal report. It just means they have to tell you whether they're processing your personal info and let you see what data they've got on file. Under GDPR, any company has to give you that access... so you could pretty much get the same thing from any other firm out there.

Jeremy Hall43 said:You can't exactly search for it in the OSR. HROK might have been able to, though. Neither Chase cards nor Citibank cards are included in the OSR system, but there's a link that uses the same thing:

I was looking through the user terms on the HROK website earlier. It’s pretty standard stuff if you’re used to reading fine print, but I guess there are a few things worth noting for anyone actually planning on using their services. The breakdown covers how they handle user data and what the responsibilities are on both sides. It’s mostly the usual legal jargon regarding liability and service usage, though it does lay out clearly how they manage account security and any potential disputes. If you're planning on linking a Chase card or a Citibank card to anything within their ecosystem, you might want to pay closer attention to the sections on transaction processing and data privacy. It seems fairly straightforward, but then again, these things always have those little clauses that can trip you up if you aren't paying attention. Just a heads-up to read it all before clicking "agree," I suppose. Not much else to say about it, really.

They don't function like a card processor within the dispute framework.
Rather, they act as the bank backing them up. For a Visa Premium, you're dealing with JPMorgan Chase, and for Diners Club, it's Diners Club.

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Not really, card issuers aren't part of the OSR system. By that logic, you wouldn't even list RBC and their mortgage division separately. It's all just under RBC. 😉

Funny enough, PNC Bank isn't on the list, but they show up in DOR.

rapidskipper12 said:Not really, card issuers aren't part of the OSR system. By that logic, you wouldn't even list RBC and their mortgage division separately. It's all just under RBC. 😉

Funny enough, PNC Bank isn't on the list, but they show up in DOR.

Check the screenshot I posted a few threads back.

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That’s HROK and it’s a post from 2014. OSR is similar to HROK, but they aren't the same thing.
I used to check HROK all the time, and until Visa showed up on the list (not Citigroup, I mean actual Visa), I never saw my Diners revolving option. Same goes for my American Express revolving credit—since my Chase card was never even on the HROK user list, and Chase is a user. My last statement was dated February 13, 2018.

Someone needs to chime in with actual, verified info from a recent statement. There's no point in just guessing and assuming.

Regarding the Chase card, Chase handles the consumer loans, while Chase Card just acts as the middleman. But when it comes to revolving credit or installment plans, that’s handled directly by Chase Card itself.

My Chase card revolving balance shows up just fine on HROK

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Wait, wasn't there a point where the Chase card actually joined HROK?

@electricbadger89 which revolving line are you talking about? Did you have an American Express revolving credit account or a Mastercard/Visa from Chase?

@ironcyclist58 nah, just the Visa member. No Chase card.

American Express revolving credit
Before that, it was the American Express Blue

The reason is simple: those cash advances, consumer loans, and revolving credits are all issued by Chase, and you're using a Chase card to access them.
Just take a look at the terms and conditions for any Chase revolving card; you'll see clearly stated that the revolving credit belongs to Chase.

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I’ve had a Visa revolving line (it used to be an American Express Blue) since 2015, and it’s never once shown up on my HROK report. Weird...

Basically, all revolving, cash, and consumer loans run through Chase; the Chase card is just the middleman they use to handle the payments.

It’s definitely me, since I had to close my American Express Blue when I took out that mortgage loan

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Regarding those credit reports and background checks
1. Can I request these from any bank, or am I limited to my own,
and is there a fee involved? Do I actually need a specific reason, or can I just ask for them without providing one?

2. Is it true that Diners Club balances don't show up in the standard credit check system, but unpaid debts do appear in the specialized reporting?
3. Someone mentioned that debts from American Express aren't visible prior to 2018, implying they don't report everything going back four years. Is that accurate?