Verifying whether data in a credit report is correct or not. Initiated by consumers when they question some information in their file. Credit reporting agencies will accept authentic documentation from the consumer that will help in the verification. When you see an entry on your credit report which you believe is incorrect or fraudulent, you can request an investigation to have the entry evaluated. There is no cost for this process, however it can take up to 30 days to complete – so it’s best that you allow for this period of time before applying for new credit. Insurance Regulatory Information System (IRIS) - Introduced by the National Association of Insurance Commissioners in 1974 to identify insurance companies that might require further regulatory review.
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