Criminal Background Check Lawsuit

Intellicorp Records Inc. and Insurance Information Exchange (IIX) have agreed to pay $18.6 million to settle a class action lawsuit that accused the companies of violating the federal Fair Credit Reporting Act (FCRA). If either of these companies provided your criminal background report to an employer, you could get a cash payment of up to $2,000 from the class action settlement.

Who’s Eligible

Class Members of the Intellicorp background check settlement include all natural persons residing in the United States who were the subject of one or more consumer reports furnished to a third party by Intellicorp or IIX for employment purposes, which report(s) contained an Intellicorp Criminal SuperSearch result reflecting a record of criminal or traffic arrest or conviction or other criminal history between April 16, 2010 and Sept. 16, 2013.

Potential Award

$50-$2,000. Class Members who were the subject of a Criminal SuperSearch that contained a record of criminal or traffic arrest or conviction or other criminal history and who were not mailed a notification are eligible to receive a check for $50.

Class Members who believe their reports were inaccurate may submit a Claim Form to receive an additional payment of up to $2,000. The total amount depends on how many claims are submitted for the Intellicorp class action settlement.

Under the terms of the class action settlement, the defendants have also agreed to provide Class Members, on request with a report reflecting the criminal history information provided to employers and a copy of the information the defendants have in their files about the Class Member’s criminal history in addition to monetary compensation. They have also agreed to make substantial changes to their practices for furnishing criminal history information.

Proof of Purchase

The last 4 digits of your Social Security Number

Claim Form Deadline

4/21/2014

Case Name

Roe, et al. v. Intellicorp Records Inc., et al., Case No. 1:12-cv-02288-JG, in the U.S. District Court for the Northern District of Ohio, Eastern Division.

Case Summary

The Intellicorp background check settlement resolves three separate class action lawsuits that accused the companies of furnishing criminal background reports to employers that included inaccurate information and/or failing to send required notices to individuals whose criminal history information was reported to an employer, in violation of the FCRA.

Intellicorp and IIX deny the allegations and contend they acted lawfully and in compliance with the FCRA at all times. However, the companies agreed to a class action settlement, which was preliminarily approved on Nov. 25, 2013.

Final Hearing

5/23/2014

UPDATE: A federal judge granted final approval to the Intellicorp background check class action settlement on June 5, 2014. The first round of payments could be going out at the end of the summer/early fall and the second round in early 2015, according to some reports.

Settlement Website
Claims Administrator

Intellicorp Settlement Administrator
P.O Box 1387
Blue Bell, PA 19422-1387
1-855-887-3480
questions@intellicorpclassaction.com

Class Counsel

Jonathan E. Gertler
Christian Schreiber
Nance F. Becker
CHAVEZ & GERTLER LLP

Joshua E. Kim
A NEW WAY OF LIFE REENTRY PROJECT

Leonard A. Bennett
Matthew J. Erausquin
CONSUMER LITIGATION ASSOCIATES PC

Jason R. Bristol
COHEN ROSENTHAL & KRAMER

Devin H. Fok
THE LAW OFFICES OF DEVIN H. FOK

Matthew A. Dooley
Anthony R. Pecora
O’TOOLE MCLAUGHLIN DOOLEY & PECORA CO LPA

Ian B. Lyngklip
Julie A. Petrik
LYNGKLIP & ASSOCIATES CONSUMER LAW CENTER PC

Defense Counsel

Joel M. Cohen
Gina Caruso
DAVIS POLK & WARDWELL LLP

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106 Comments

  • stephanie mcpherson January 17, 2014

    I mailed the form to be included in this class action. However, I have a copy of my backround check that they provided my perspective employers and it is inaccurate. Intellicorp reported 7 criminal charges and I only had 2. I have been denied employment because of backround check and also have that documentation. Do I need to provide copies of this paper work for review?

    Stephanie Mcpherson ID# C7278B2DB

    • Jamison Turner January 17, 2014

      How did you receive a copy of the incorrect background check? I need to get a copy of mine to see if it is incorrect also.

    • Mirnada August 18, 2014

      I recived a $50 check but this is the first I am hearing. I see claim form is closed so what can i do now ?

      • Terri Posey August 21, 2014

        I got same one is it for real or scam I knew nothing of it either

  • Jeremiah Johnson January 18, 2014

    Same. I read through all this website but can’t find where to get a copy of my background check. Where do I find it?

    • james coleman June 19, 2014

      All you have to do is write to the address that was included in the paperwork you received and they will send you copies of everything they have in your file. I received everything they had in mine and there were pages of a report in a state that i have never visited. If you did’nt receive the letter about the suit, just go on the intellicorp website and they will instruct you about receiving your file.

  • Jason January 18, 2014

    Yeah, Im pretty sure this has cost me a couple jobs. I do not know how to find a copy of my background check either.

    • Anetra March 7, 2014

      I received this letter back in Dec and kind of threw it to the side. Until recent I read it and I knew it!!! I was up for a really good Job in 2010 then another in 2011 and they said I had charges I kept the copy of background checks the employer sent me because I got denied. I was mad and frutrated and didn’t know what to do or how bad things kept coming up I didn’t have money for a lawyer to see if I can get everything removed. I’m going to send in this for hell it’s hard enought trying to get a job let alone someone reporting inaccurate info.

  • Merp Derp January 20, 2014

    Before everyone starts on when checks come in and suc, here is the statement on that

    “13.5.2. Within thirty (30) business days after the Effective Date, the Settlement Administrator
    shall begin the distribution of the funds remaining in the Settlement Fund (after payments of
    amounts pursuant to Sections 13.3 and 13.4) to the Settlement Class Members in accordance
    with this Agreement.”

    http://www.intellicorpclassaction.com/pdf/SettlementAgreement.pdf

    So after the final judgement, about a month and change is when they will be mailed :/

    • lowkey March 5, 2014

      when do we get paid

      • Mo May 25, 2014

        The fairness hearing was May 23, we should be getting notified shortly. Although shortly in lawyer talk can mean a month or several. Sucks, I’m needing the money and got screwed by these b**tards. Good luck everyone

    • Stephanie Johnson May 30, 2014

      How can we find out how much money we will receive..

  • Rick January 21, 2014

    I had a criminal background check done by Americhek Inc and any of their licensed Agents so I’m wondering if I’m affected. Any feedback would be great. Thanks!

  • Travisssa January 22, 2014

    How do I find out if i was a victim of this?

    • latanda sims March 20, 2014

      is this bunny ?

  • mysticlady1@yahoo.com January 25, 2014

    i cant download this form please help me my file this

  • robert johnson February 7, 2014

    they ran a background check on me and it said I was a sex offender wrong answer it was some colored man from California I’m from wv I already filed my claim form go to intellicorp.comI’ll be seeing some money when they settle lol good luck everyone

    • Mrs. Bee June 5, 2014

      No one uses the term “colored” anymore, idiot! I hope you don’t get a check…ignorance is bliss.

  • mona woodson February 11, 2014

    Do i go ahead and file cause i dont know how to find out if im affected i did get let go by a job cause of my background check

  • Craig Johnson February 12, 2014

    is this a scamI received the same letter and can’t remember

  • Victoria February 20, 2014

    I did receive the form and I would like to know more about what companies requested this? And now it is getting harder to give your personal info.online or in writing or even by phone, so I would like to know if there is another way.

  • Victoria February 20, 2014

    Now a days it is getting harder to give out your personal info. by phone, online, or by mail. Is there another way to obtain this. I would also like to know what companies requested this info.on me. If this is true I would like to be apart of this class action. Thank you.

  • Miller March 3, 2014

    This is not a SCAM, it is real. They provided me with the same thing that they did my employer, which when my employer showed me I was in shock. So yes, take the money and RUN. My biggest question is Can we file unemployment at this point if we were Let go/turned down or suffered any type of job loss due to the Negligence of any of these big background check companies? Cause Im done getting turned down……….

    • Lowkey March 5, 2014

      when do we get paid

  • Lowkey March 5, 2014

    man when will I get paid anyone know or nah??

  • Joey March 19, 2014

    I have absolutely no criminal history and it took me from 2010- freakin last august to find a damn job after colle how do I find out what they said about me because I want to sue for personal damages this ruined my credit score from college loans an I had to live with my damn parents

  • quez April 20, 2014

    Why he gotta be colored thats a racists ass word it probably was you n moved fucking prick

    • Chilli Pepper April 21, 2014

      U right!!! PLUS THEY DONT SAY COLOR ANY MORE!!! “BLACK”!!!!

  • saltwaterron May 8, 2014

    have read where court date to finalize settlement is may 23rd. when will we be notified?

  • Samantha May 16, 2014

    When do I get a letter back letting me know the out come of my settlement.I filed soon as I received the letter and my background check. Been waiting ever since.Are they going to mail me a letter or my check either way when will they?

  • saltwaterron May 20, 2014

    received communication saying the final hearing is Friday the 23rd. they are still processing claims and do not know when distributions will start

  • Nichelle Dixon May 25, 2014

    What was t he outcome of the final hearing?

  • Shawn chance May 27, 2014

    The outcome is as follows, the final hearing is over and funds will be distributed as follows, last name begins with A to J payment mailed June 7th, k to t June 9th to 18 and u to z after

    • ron May 28, 2014

      how do you know these dates the settlement money will be distributed

    • denise ross June 4, 2014

      where will the checks be coming from what state so that I know when to be expecting mine because they have made it hard for me to get a job with my profession

    • denise ross June 9, 2014

      CHANCE HOW DO YOU KOW FOR SURE THAT THE CHECKS WILL MAKILD OUT BY YOUR LAST NAME AND IN THT ORDER I NEED TO KNOW FOR SURE THAT THIS IS NOT A HOAX BECAUSE ONE GUY ALREADY SAID THAT HE GOT HIS AND THEY JUST STARTED MAILLING HTEM OUT ON 6/7/2014 AND HE AMDE A COMMENT THAT HE GOT HIS ON 6/7/2014 HOW IS THAT IS ALL I AM ASKING CAN YOU PLEASE HELP ME WITH THIS AND THANK YOU

    • DENISEROSS June 9, 2014

      this is for shawn chance how are you for sure that we are getting the money because the order of what you said that are last was is how we re getting the money or is this a HOAX I see that was man said that he already got his and they just know started sending them out the checks on 6/7/2014 and he posted that on 6/7/2014 that he got 2,0017.00 and I am just asking how do you say that what order we will be getting the checks please let me know of this question please and thank you

    • manda June 21, 2014

      How fo u know u get ur check according to ur last name for the dates stated its june 20 n haven’t gotta check yet??? How does anyone know I called they said early 2015….

  • Christina Falcon May 28, 2014

    I mailed all my info as well have the paper work received will they post a update on this case

  • lynn May 28, 2014

    What I have read and understood is as follows according to the final case documents…the intial round of payments is just the $50 settlement , which is to be paid in 30 days. Then within 80 days the rest of the funds are released up to the $2,000 amount based on whhat is left over including any $50 checks that have not been cashed. So NO ONE would be getting more than $50 anytime soon. Can amyone tell me if my understanding of this is correct? I based this off of reading documents on intellicorpclassaction.com

  • saltwaterron May 30, 2014

    are we going to be contacted or will the check just show up in the mail?

  • saltwaterron June 4, 2014

    here is the latest on settlement…got this info from inquiry..there will be no letter telling you the money is on the way..it will just show up..distribution will not begin til early 2015…

  • clay ward June 6, 2014

    when do i get my fucking money

  • deborah todhunter June 7, 2014

    so what is the true date on getting money sent not the 50 but the bigger amount

  • saltwaterron June 7, 2014

    i’m a little confused about it. one communication i received said end of summer..another said early 2015…hope it’s the former..why don’t you inquire and see what answer you get.

  • Heh June 7, 2014

    I just got my check $$$$$$$$$$$

    • Heh June 7, 2014

      Received a check for $2,017.00………. losers i bet you wish you had yours.

      • denise ross June 9, 2014

        what was your last name if you don’t mind me asking because they are talking like that they would go by your last name which may I ask what was your so that I mite know when I mite get mine please and tank you

      • denise ross June 9, 2014

        I would like to know how did you get your check when the statement says that they would start mailing them out on 6/7/2014 please can you answer that question for me please and thank you

      • M June 16, 2014

        Like to know how your entitled to over the settlement amount. Losers wishing we had ours?! Seriously asshole?

      • Mirnada August 18, 2014

        did you get initial claim form as I did not? . I received 50 check today so its obvious erroneous info on my record . how can i file claim as deadline gone .. first im aware of as I thought was SCAM !!!

  • Tiffany Schilt June 8, 2014

    just wondering if anyone else received a payment yet?

  • Michelle Jiles June 10, 2014

    No he a lier I follow them I call them every week and they just approved it on on thursday last week and they said that its a 30 day brace period then its a granted 50 dollars and for the people thats under the 2000 thousand bracket if u didnt read it correctly it say up to 2000 dollars they said alot of people filed for this lawsuit and by that happening it droped down to each person get around one hundred to 200 but it might change number is 757-930-3660 let them know thatu calling about the intellicorp this is the lawfirm

    • denise ross June 12, 2014

      HI MICHELE JILES HW DO YOU KNOW THAT WE MIGHT ONLY BE GETTING 200.00 DOLLARS BACK ON THE BACKGROUND CHECKS THAT WE DONE WRONG BWCAUSE I KNOW THAT THEY SAID UP TO 2,000.00 DOLLARS BUT WHY DID IT DROP DOWN TO 200.00 BECAUSE WHEN I GOT MY LETTER IN THE MAIL IT WENT OUT THE VERY NEXT DAY BUT DO IO NEED TO CALL THE NUMBER AND ASK THEM FOR SURE BECAUSE I SURE DONT WANT A LET DOWN WHEN I CHECK MY MAIL BOX BECAUSE I HAD READ BY MR.CHANCE IS POSTING THAT THEY HAD ALREADY STARTING THE CHECKS OUT HOW TRUE TO YOU KNOW THIS TO BE OR NOR TO BE BECAUSE I DONT WANT A LET DOWN I HAVE HAD ENOUGH OF THEM IN MY LIFE DO I NEED TO CALL THE NUMBER THAT YOU LEFT AND SEEIF THEY ARE WILLING TO LET ME KNOW ANYTHING AT ALL THANKS AGAGIN DENISE

  • Michelle Jiles June 10, 2014

    Heh stop lieing u probably never filled out a app a day in you life u just a bum trying to look for free money

    • M June 16, 2014

      Hard to be “a bum looking for money” Obviously they were looking for a job, when they got caught up in this. I guess by being on here, your also a bum looking for money. People really need to spell.

  • saltwaterron June 10, 2014

    so we go from up to $2000 to up to $200????

  • saltwaterron June 11, 2014

    just got on the phone with intellicorp..$50 check to be sent out in 2/3 weeks…other to be sent out in 2 months..$100 is probably the figure

  • Paul M June 16, 2014

    I’m curious to know just because I received a letter does that mean I will get a check?

  • saltwaterron June 17, 2014

    talked to an intellicorp rep this morning. he said he had no idea where the “money would be distributed in the next couple of weeks” idea came from. he said it would be early 2015 and amount is still unknown. that was the latest update he had and to call back after holidays for further update news.

  • james coleman June 19, 2014

    If i understood the letter correctly, it said that if you received the letter about the suit, you would automatically get $50. If the administrator found that your case was valid, then there was the possibillity of getting up to $2000. It does make sense that if you have a large no of people claiming that they were wronged, it would decrease the amount of monies everyone would receive.

  • james coleman June 19, 2014

    Also, I am quite sure that after the lawyers receive their payment for services, a large chunk is automatically gone!~!!!

  • mishy June 19, 2014

    …….this is the email I just received from “questions@intellicorpclassaction.com”

    The Judge has approved the Settlement on June 5th. As long as no appeals are filed with the Court,

    1. The first approved cash payment, which is being made ONLY to those class members who were subject to a Criminal SuperSearch but did NOT receive a notification, will be paid at the end of the summer/beginning of fall.

    To receive a current report, after July 7th you can go on the website link to request this report. http://www.intellicorpclassaction.com

    2. The second approved cash payment, which is being made ONLY to those class members who filed a valid claim form, will be paid in accordance with the Court’s order, AFTER the first distribution is complete. These payments are not expected to be made until the early 2015.

  • mishy June 19, 2014

    I just received email from “questions@intellicorpclassaction.com”

    The Judge has approved the Settlement on June 5th. As long as no appeals are filed with the Court,

    1. The first approved cash payment, which is being made ONLY to those class members who were subject to a Criminal SuperSearch but did NOT receive a notification, will be paid at the end of the summer/beginning of fall.

    2. The second approved cash payment, which is being made ONLY to those class members who filed a valid claim form, will be paid in accordance with the Court’s order, AFTER the first distribution is complete. These payments are not expected to be made until the early 2015.

    To receive a current report, after July 7th you can go on the website link to request this report. http://www.intellicorpclassaction.com

    • mishy June 20, 2014

      Getting a letter doesn’t mean you get $50…there are 2 groups

      Some people were the subject of a Criminal Super Search but were not (by law) mailed a notification letter from intellicorp. They didn’t have to file a claim form.
      So they should all receive a check for $50 (end Summer early Fall)

      Some people may have been mailed the notification ….but their background check report had inaccurate information. They could receive up to $2000 in early 2015…but only IF THEY FILED A CLAIM FORM on the website (before the deadline)

  • Paul M June 21, 2014

    In the settlement document I believe it stated a website would be established detailing distribution of funds to whom and when and a time limited was set for that site to be up and running. Is anyone else aware of this information?

  • wheresmymoney June 21, 2014

    imagine if you put as much effort into finding a job and making money instead of refreshing this page and calling the law offices.

  • mishy June 22, 2014

    Checks were not sent out yet genius… When you lie…that makes you the piece a sh…

  • jukeboxjane June 25, 2014

    Just got my check $50.00 and one for 1901.25! Anybody else get paid yet?

    • gypsophelia July 29, 2014

      Jukeboxjane,

      I think you’re stupid for lying and saying you received a payment from intellicorp. I think you’re also pathetic for lying and maybe you should spend your time online researching support groups for pathetic lonely liars like your skanky self. Seriously.

    • Mirnada August 18, 2014

      hi,
      how did you file claim as I was never made aware of claim form?

  • kay June 25, 2014

    What was the date on the check??

  • Sarah Pierce June 26, 2014

    UPDATE: A federal judge granted final approval to the Intellicorp background check class action settlement on June 5, 2014. The first round of payments could be going out at the end of the summer/early fall and the second round in early 2015, according to some reports.

  • manda June 29, 2014

    When is checks coming? Anyone really get their check yet and it it really going to be as little as 200$??? This blessing could be rite on time just lost my job due to background check….only lord knows?

  • Donna July 9, 2014

    Has anyone heard anything else about this?

    • walterwoods July 9, 2014

      they said august are october

  • walterwoods July 9, 2014

    i was writting to see when we will receivce a check

    • walterwoods July 9, 2014

      i was wiritting to see what date yall going to mail them out i got fines i got to pay do this month

  • rex todhunter July 16, 2014

    serious i dont know why its so hard to get a straight frickin answer does anyone really know when the larger of the 2 checks will be sent out approximately? also does anyone have a phone# to call to get that answer the numbers i have tell you nothing please answer back thank you and everyone have a great and beautifull summer and year

    • saltwaterron July 18, 2014

      1-855-887-3480..you will get a recording (naturally) with prompts….when you get through with that you will be told to press # for more info. you will be able to speak to a rep. i was told the $50 check would go out at end of summer. the next money would not be sent out til early 2015. cannot reach anyone on week ends. i will call again and post what i am told. please do the same to see if we get the same answer

      • saltwaterron July 21, 2014

        spoke to someone this morning. checks to be sent out first 2 months of 2015.

  • Christopher Ortiz July 22, 2014

    Ok, there were 525,089 class members. the settlement amount is $18,600,000.00 If you do the math, 18,600,000 divided by 525,089 is about $34 dollars per person. I found out after the attorney fees, and other fees, everyone will get a check for about $3.71. Yep this is an outrage. $3.71 is what you will get. Intellicorp screwed us over not once but now twice. Honestly, I am speechless because they way they worded everything like, the mailer will get you up to $2,000 and the smaller amount of $50 was worth not haviung me independently sue. But I will be going after them for false information and having me get “dooped) into including myself in the fund by deception. Is anyone ready to not play games with these people and walk away with at least $2,000 not $3.71??? email me at sunlover88@yahoo.com to file a wronful/fraud countersuit. I am done playing games with these idiots

  • becky July 26, 2014

    i did honestly receive a check today and I did file a claim and my check was 25.80 far from 2000

  • saltwaterron July 26, 2014

    if you received a check today apparently there is an awful lot of confusion among those who are answering calls because i was told next year…..

    • becky July 26, 2014

      its from Transunion corporation privacy litigation for 25.80

      • Jerry July 28, 2014

        I also received a check today for $25.80 from TransUnion corporation privacy litigation.

    • Erin August 1, 2014

      I received one 2 days ago for $25.80 as well

  • saltwaterron July 26, 2014

    maybe the postman will bring a surprise my way….will need a financial advisor so i will spend it wisely

  • becky July 27, 2014

    sorry to say I am greatly disappointed if I was in line for the 2000 what is those that was to get 50 getting

  • becky July 28, 2014

    okay sorry for getting everyones hopes up did get a check but wrong lawsuit, did not mean to get anyones hopes up. this was from years ago and had forgot all about it till I got check. so I am sorry did not mean to lie to anyone.

  • MESH July 30, 2014

    @Christopher Ortiz THE SETTLEMENT WAS APPROVED, RIGHT. OUT OF (525,089 class members) ONLY SOME OF THEM WAS APPROVED. THE COURTS WHERE ABLE TO FIND WHO OUT OF (525,089 class members) ACTUALLY WAS A VICTIM OF THE BACKGROUND CHK. THOSE WILL BE THE PEOPLE WILL BE MAILED THE CHECK FOR 2.000 DOLLARS. 50.00 WILL BE ISSUED TO THOSE WHO WHERE FOUND AS A VICTIM TOO BUT DIDNT FILE WITH THE CLASSACTION.

    PEOPLE THE ATTORNEY WILL CONTACT YOU GUYS BACK THEY CALLED MY PH WHILE AT WRK AND GAVE ME THE UPDATE. MY CLAIM WAS APPROVED FOR 2.000 AND THE PAYOUT WONT BEGAN UNTIL EARLY 2015.
    THATS BEEN SINCE MAY. ILL CB WHILE ON LUNCH TO UPDATE YOU ALL.
    SIT TIGHT

  • saltwaterron August 14, 2014

    if you did not receive a letter you will get the first payout end of summer/fall. if you received a letter you be in second distribution at end of 2014 per letter i received

  • Leon McKenty August 18, 2014

    Thank all of you! I received a check today on 8/18/2005 and will be depositing. I hope every thing is well and good now. You now have my email if you need to correspond with me. Again Thank YOU!!!
    Leon Mckenty Da/PA

  • jukeboxjane August 18, 2014

    For how much and did you get a letter?

  • becky August 18, 2014

    received check for 50 today and said if I summited claim that payment would be sent seperate

  • jb phnx August 18, 2014

    I also received my $50.00 check today. It also states that if you submitted the appropriate documents, then the additional funds would be mailed separately at a later date.

  • FLBoy35 August 18, 2014

    I just received a check today and had no clue what it was. $50 was the amount and when I called to make sure this was correct and indeed it was I was told that around 2015 that around 2k would be mailed out also. I never received any information regarding the same but after doing research online I’m gonna request my BG check and make sure it’s ok. Then I’m gonna file a claim for the remainder of the funds due out. Hope it’s not a flake!

  • antonio August 18, 2014

    received a check today for 50 but just know finding out about intellicorp

  • Kevin Baines August 19, 2014

    Just received my 50 dollar check I filed a claim to so hopefully ill get the big check later on as there paper stated.

  • Motherof2 August 19, 2014

    I received a check today for $50. I requested my background check, and it seems the deadline(April, 21st) to file for $2000 has passed. If the information is incorrect, how do I claim make my claim? I had no idea about this.

  • fullyemployed August 19, 2014

    I received a check for $50. I’ve worked for the same employer for the last 14 years. Don’t know who would be doing a background check on me to provide my employer.

  • Tiffany Westmoreland August 20, 2014

    I received a $50 check Aug 18, 2014. I never received a notice package to even file a claim. Would I still get a settlement?

    • saltwaterron August 20, 2014

      my understanding is the only ones who will get the second payout are those who received forms in the mail to fill out and send back…

  • Maribel Salazar August 20, 2014

    I received a check 8/18/2014 but I nevet filed a claim do this is not a fraud right somebody please tell me.

  • Terri Posey August 21, 2014

    Don’t know myself lol

  • Jess B August 21, 2014

    Was surprised when I got the mail. I got a $50 check from US Bank today..I also did not receive any paperwork to fill out to file a claim but I’m not going to worry about it. Just glad to have an extra $50 in my account. So do we need to pay to get our credit reports, review them, then make appeals if there is wrong stuff on them or……? This is all just plain stupid.

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