There's not anything being done here that a consumer can't do themselves, ... We encourage consumers to check their credit reports themselves.
We're seeing almost as much interest and concerns in background checks as we were seeing in identity theft about a decade ago.
Yes, you'll probably get that money back once they've done the investigation, but if the investigation takes two weeks or two months, here you are without money in your checking account.
With so many uses made of credit report these days, it's vitally important that consumers regularly check them.