Originally Posted by
Critic
IANAL, but it sure sounds like you agreed to an instant background check (like the kind potential employers can run on job candidates.)
Sort of; it is an identity verification system which mines data from consumer reporting agencies and public records; it doesn't run a background check in the usual use of the word.
Originally Posted by
FredAnderssen
I've always wondered what would happen when if they looked up mine since I have a security freeze on all four (including Innovis). Would they still be able to get all the information they needed? Do government agencies get special privileges in these cases?
Originally Posted by
Boggie Dog
It has been my experience that when a security freeze is in place the report still generates the headers showing all of the things I mentioned, just not credit lines.
Correct; a freeze with a CRA (consumer reporting agency-- TransUnion, Equifax, etc) will generate a report, but will inform the requesting entity not to open a new account until identity is verified (which usually involves a password or something similar). The report might be short some data fields, but it will still work for the purpose of generating identity verification questions.