How to Request Your TeleCheck Credit Report
TeleCheck Services, Inc. is a specialty credit reporting agency. TeleCheck is a wholly owned subsidiary of banking and payment-processing giant Fiserv, Inc. TeleCheck focuses on check verification, checking account risk, banking history, and fraud prevention.
(1) More Information about the TeleCheck Credit Report
The core product TeleCheck sells to businesses revolves around real-time check acceptance and verification services. When a consumer attempts to pay by check at a store, online, or over the phone, TeleCheck runs the transaction details through its database in seconds. It then provides the business with an instant recommendation to accept or decline the check based on potential risk and historical account activity.
TeleCheck collects a wide range of specific financial and behavioral data from participating merchants and financial institutions. This information includes bank routing and checking account numbers, past driver’s license numbers, records of returned or bounced checks, unpaid check debts, closed bank accounts, and suspicious check-writing patterns. It also collects transaction metadata like purchase amounts, store types, and shopping velocity to identify potential fraud.
The primary customers buying TeleCheck’s services are retail businesses, grocery stores, auto dealerships, online merchants, and financial institutions. Merchants use these reports to avoid taking bad checks and to protect themselves against check fraud. Additionally, lenders and credit unions buy TeleCheck data to screen new bank account applicants or use alternative payment history to evaluate credit risk.
(2) Request a TeleCheck Credit Report by Telephone or Mail
Request a copy of your TeleCheck Credit Report by telephone (800-366-2425) or mail (TeleCheck Services, Inc., Attention: Consumer Resolution Services, P. O. Box 6806, Hagerstown, MD 21741-6806).
(3) Request a TeleCheck Credit Report Online
Special Scores provides an online option to request your TeleCheck Credit Report.
(4) Dispute Errors in Your TeleCheck Credit Report
If you find information in your consumer report that you believe is inaccurate or incomplete, you may have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information to the reporting company. Under federal law, the Fair Credit Reporting Act (FCRA), companies must conduct a reasonable investigation of your dispute. The company that provided the incorrect information must correct the error, and notify every consumer reporting company to whom it provided the inaccurate information.
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