Credit Bureau - US Credit Report & Debt Records

Here’s a look at what that famous credit report actually looks like for anyone wondering. It’s basically identical to the old HROK report—you can see all your loans, any overdrafts on your checking account, and those revolving credit card balances.







On the DOR report, if you've stayed on top of your bills and never missed a payment, all you'll see is your SSN and which financial institution pulled your info.

How exactly did you get access to the HOA records?

Requested it through Chase and it hit my inbox. No charge for it.

Awesome!
I’ve actually been thinking about checking that out myself.

I'm gonna try to grab that through Online Banking on the app.
darkmaker94, does it cost anything to get the statement?
How long did you end up waiting after you put the request in?

Like I said, there’s no charge. I filed my request yesterday and it was already sitting in my inbox by noon today.

Alright, thanks.
I just gave
a quick skim.

Hey everyone, does anyone actually know if these quick loan providers run checks through HROK, or do they just look at how you handle your business with your bank? See, if they’re digging into HROK / DOR—whatever they’re calling it these days—I’m almost certainly getting a rejection. I had a bit of a situation a while back, and right now I’m working out a settlement with a lawyer over at Wells Fargo, but on paper, it looks like I just defaulted on a credit card or had some messy account activity. Now, if they aren't looking at the DOR and are just checking my internal bank history, then I should be golden; I moved my direct deposit over about three months ago, I’m staying current on my existing loans, and I don't have any overdrafts or extra credit cards hanging around. It also feels like they shouldn't even be allowed to peek at the DOR without me giving them the green light, which makes me think these companies might just be offering loans based on their own internal vibes and how you treat your specific bank. Has anyone actually verified how this works? I just want to know if there's even a point in trying

crimsoncyclist8 said:Hey everyone, does anyone actually know if these quick loan providers run checks through HROK, or do they just look at how you handle your business with your bank? See, if they’re digging into HROK / DOR—whatever they’re calling it these days—I’m almost certainly getting a rejection. I had a bit of a situation a while back, and right now I’m working out a settlement with a lawyer over at Wells Fargo, but on paper, it looks like I just defaulted on a credit card or had some messy account activity. Now, if they aren't looking at the DOR and are just checking my internal bank history, then I should be golden; I moved my direct deposit over about three months ago, I’m staying current on my existing loans, and I don't have any overdrafts or extra credit cards hanging around. It also feels like they shouldn't even be allowed to peek at the DOR without me giving them the green light, which makes me think these companies might just be offering loans based on their own internal vibes and how you treat your specific bank. Has anyone actually verified how this works? I just want to know if there's even a point in trying

I'm not sure about specific debts, but they definitely look at your savings. They also consider how many of their own "innovative" products you're using. A colleague of mine doesn't have any debt and has never overdrawn her account, but she doesn't have any savings either. She only started using mobile and online banking at the start of the pandemic, and even now, she hasn't received a single loan offer.

Just keeping an eye on the DOR (blacklist). Because of the DOR, all credit offers—revolving cards, personal loans, everything—are totally blocked. As for the HROK, I haven't a clue.

rapidskipper12 said:Just keeping an eye on the DOR (blacklist). Because of the DOR, all credit offers—revolving cards, personal loans, everything—are totally blocked. As for the HROK, I haven't a clue.

Hmm. Shouldn't they actually need our consent before pulling our credit report or checking with the FTC?

Yeah, unless you're actually one of their clients. If you are, they can see everything.

rapidskipper12 said:Yeah, unless you're actually one of their clients. If you are, they can see everything.

But if I am—they only see what I’ve submitted to them... they don't need HROK or DOR for that.

To verify anything outside of Chase, you need HROK or DOR—so my question stands: are they legally allowed to pull that data without our explicit consent?

They’re allowed to, and they do it. They don't even need your permission anymore.

"Processing your data through the DOR system is based on our legitimate interest—as well as the legitimate interest of all users (per Article 6(1)(f) of the Regulation)—to evaluate whether clients can actually pay back what they owe. This helps us minimize or avoid bad loans and overindebtedness, which is just part of managing credit risk, one of our main regulatory requirements.
...
An inquiry into the DOR system can only be made in these specific scenarios:
a) before signing a new credit or financing agreement or when modifying an existing credit or financing agreement
b) during periodic monitoring and credit risk assessments for clients who already have an active credit or financing agreement."

Everything is super clean on my end over at Chase—solid pay, zero overdrafts, six different products, and I get the max discounts. But because of some old debt I have sitting at another bank (which is basically ancient history anyway), they won't offer me any loans, pre-approved credit cards, or even let me use installment plans on my Visa. Honestly, I don't really need it, but you know how it is... they track every little thing.

darkmaker94 said:They’re allowed to, and they do it. They don't even need your permission anymore.

"Processing your data through the DOR system is based on our legitimate interest—as well as the legitimate interest of all users (per Article 6(1)(f) of the Regulation)—to evaluate whether clients can actually pay back what they owe. This helps us minimize or avoid bad loans and overindebtedness, which is just part of managing credit risk, one of our main regulatory requirements.
...
An inquiry into the DOR system can only be made in these specific scenarios:
a) before signing a new credit or financing agreement or when modifying an existing credit or financing agreement
b) during periodic monitoring and credit risk assessments for clients who already have an active credit or financing agreement."

So, here's the deal. Did you guys just copy-paste this straight out of some Chase terms and conditions or the DOR regulations?

Is the situation at HROK the same?

Nah, you actually had to sign a physical form for HROK.
With the IRS or a credit bureau, that’s not even necessary. Once you hand over your info to a contract partner—like Chase or a major credit card company—you're basically giving them the green light to dig through your records at the IRS and the credit bureaus themselves.

Daniel Torres said:Nah, you actually had to sign a physical form for HROK.
With the IRS or a credit bureau, that’s not even necessary. Once you hand over your info to a contract partner—like Chase or a major credit card company—you're basically giving them the green light to dig through your records at the IRS and the credit bureaus themselves.

So... once the DOR is finally shut down, does that mean the rules of the game are actually going to change?

It’s honestly such a joke. So, because of GDP regulations and all that personal privacy stuff, nobody could see a thing for two years, but now, out of nowhere, they’re suddenly seeing everything without even asking you? Apparently, just because you had to check a box to open an account, they have a free pass. It’s completely mental.

And what’s this about the Department of Revenue shutting down? How does that even work?

Not everyone sees the full picture; they only care about the banks where you actually have a loan.

Anyway, where are you guys getting this idea that Chase is shutting down?