In order to satisfy the requirements of the three major credit bureaus, along with the FCRA, Gramm-Leach Bliley Act (GLBA), and the Dodd Frank Act (DFA), resellers of credit report information use our service to verify that appropriate security measures are being used to protect sensitive consumer data at their customer’s physical location.Some of the items that are required during the on-site verifications include confirming that the business is located at the address provided, that the credit bureau reports are being used in permissible ways and according to the regulations, licensing (if applicable) and that practices for securing and disposing of confidential information is visible (shredders, lockable files, password protected computer files). For businesses that operate from a residential address, the work space must be
separate and secure from living space (e.g. office with lockable door.)
The fastest, most effective and thorough way to for the reseller to obtain such verification is to hire Metro Inspections, an unbiased, third-party inspection provider with an understanding of the industry-specific concerns and a national network of well-trained, vetted professional inspectors. Metro Inspections will assign an inspector to visit the business location and make several observations about how the business obtains, stores, and destroys consumer information. Metro Inspections will then analyze, scrutinize, and compile the results in order to submit them to the reseller through our state-of-the-art Inspection Management System. The reseller is then able to assess the findings as they make final determina-tion on the approval of the business’s application to become an approved provider of credit data.