Why become a registered customer? Various laws regulate the transfer or sale of personal consumer
information. Only those who conform to those laws may legally access confidential information. The registration
process is a process of qualifying the end user as a legitimate user extending a loan, credit line, lease, or
employment and who will respect all privacy regulations.

What must members agree to? Registered Customers agree to conduct searches only on people with which
they are doing legitimate business. They agree to keep all information confidential and for their eyes only. They
agree to get written permission from the applicant to conduct a search.

How long will it take to process my registration? Usually within two hours after you have completed the
application submissions. There may be extra requirements.

What are those requirements? You may be required to provide additional documentation to satisfy any doubt
of the Compliance Officer and demonstrate that your need for an investigative report is to analyze the potential
of a legitimate business relationship. That documentation might be a copy of the application you use for
contracts, leases or lines of credit.

What about leasing? In the case of lease by an individual landlord, documentation of ownership of the rental
property must be produced that is different from the owners address.

How will I be billed? A credit card must be kept on file or arrangements made to establish credit.
Must  a credit card be used to pay my invoice?   yes, fax a Credit Card Authorization to 800 522 8437

How Long has AMSties been in Business? AMSties is a brick and mortar service company celebrating its
twentieth year in business. AMS is an acronym for Advanced Management Specialists, and TIES is an acronym
for "The Information Exchange System."

Why can't I receive my reports by email? The combination of threats to privacy, hacking, the inevitable
human error and the possible damage the consumer could suffer as a result of interception, has made the web
off limits for the sale of privileged data. At least for now.

What if I Lose My Code Number? Your code number is like a pin number at a bank. It is dangerous in the
wrong hands. A dishonest person could use your number to access and defraud a consumer.

How Can I Replace a Code Number? For obvious reasons, an operator cannot give code numbers over the
phone. To replace a lost number you will need to fax or mail your request. To replace a lost number send your
signature and social security number so the operator can match your signature with your application. There is a
five dollar charge to replace lost code numbers.

Can I charge the applicant for the Report? If you charge the applicant for the report he will want a copy that
you cannot give to him. Instead charge an application fee that covers all your application expenses.

Why can't I give a copy of the report to the Applicant? Because the law and our contract with suppliers
require that the consumer get a disputed copy of the report directly from the consumer file keeper -- that copy
has extra information for common understanding and extra materials enclosed as required by law.

What If I turn the applicant down for credit or lease? Give the consumer a letter of adverse action. He can
use it as a ticket to get a free report.

What Should I Do If I Deny a Person a Job Based on His Report? Give the copy of the report to the
Applicant, it is different from a report for a credit transaction.  Provide him also with a letter of Adverse Action.

How long can an item remain on a report?

  • Inquiry -- Two years
  • Merchant report -- 4 years
  • Judgment -- 7 years after payment
  • Collection -- 7 years after payment
  • Bankruptcy Chapter 13 -- 7 years    
  • Bankruptcy Chapter 7 -- 10 years

What about Credit Scoring? Credit scoring is a mathematical model that attempts to determine the chances of
bankruptcy from current account activity. The method assigns numerous values to every possible situation and
element of a credit  report. Scoring assigns a number to the consumers credit report in a way that is supposed
to represent the likelihood of bankruptcy. The Lower the number, the more likely bankruptcy. The numbers run
from 400 low to 850 being perfect.

What is a "Written Summary?" The Written Summary is a summary of an individual's credit, written in plain
English by an operator trained to read and interpret reports.

Should I discuss the report with my applicant? If you feel that discussion of the record will advance your
knowledge, then fine. Just remember, you are speaking with a biased source. Objectivity requires objective
AMSties, Inc