Who Are the Other Credit Reporting Agencies?

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In addition to the three big credit reporting agencies — Experian, Equifax, and TransUnion — the FCRA also classifies dozens of other information gathering companies as “nationwide specialty consumer reporting agencies” which help produce individual consumer reports. These other agencies can specialize in medical records or payments, residential history, check writing history, employment history, and insurance claims. These nationwide specialty agencies sell their information to the credit bureaus and these bureaus put all of this information together into one comprehensive credit report.

Besides your paying history, these other items are listed in your credit report and get factored into your credit score. There is no way the main credit bureaus could obtain all of this information which is why these specialized companies were started. The credit bureaus gather this information on you through data mining and sharing of information from numerous other databases which contain personal sensitive information. For instance, public records found on your credit report come directly from LexisNexis and Choicepoint.

Just remember, all of the following databases are considered credit reporting databases under the Fair Credit Reporting Act (FCRA), and as such are required to give you a copy of your information, so you can check for errors.

Credit Bureaus

Here is the contact information for the big three credit bureaus, Experian, Equifax and TransUnion.

Other Credit Bureaus


Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358


They are a one stop shop for several databases of personal information and is in a category all its own. Types of personal databases it owns:

1) Auto Insurance Claim History
2) Home Insurance Claim History
3) Tenant History
4) Employment history

Public Records – Judgments, Bankruptcies, and Tax Liens

Lexis-Nexis Public Records/Hogan
1900 N.W. Expressway
Suite 1600
Oklahoma City, OK 73118
(405) 302-6954
Fax: (405) 302-6902

Lakeside Information Resources (Also doing business as Lombard Information Resources) No website.

Thomson Corporation – Similar to LexisNexis



The Work Number, a service of St.Louis-based Talx (recently acquired by Experian). To get your free copy of the information that Talx has on file in The Work Number and also dispute any inaccuracies on it.

11432 Lackland
St. Louis, MO 63146
(314) 214-7000
Fax: (314) 214-7588

Note: Hundreds of companies are now engaged in employment background screening. The National Association of Professional Background Screeners lists over 300 member background check companies. www.napbs.com


National Consumer Telecom & Utilities Exchange (NCTUE) – www.nctde.com


www.iso.com Offers Auto and Home Insurance claim reporting. Because you receive one free report per year, check Auto and Home Insurance claims yearly if you have filed insurance claims within the last 5 years. If you have not filed a claim, check once to verify that there is no derogatory information then check every 4 to 7 years thereafter, primarily to alert yourself to ID Theft or the potential for inaccurate information.

Check Writing and Bank Databases




Tenant History Credit Bureaus


First Advantage SafeRent (888) 333-2413

Tenant Data Services

Medical Information Bureau

The Medical Information Bureau (MIB) is a nationwide specialty consumer reporting agency that compiles and maintains records concerning individual life, health, long-term care, and disability insurance. Generally, you will have an MIB file only if you have applied for one of these insurance products within the last seven years, and only if you’ve applied as an individual rather than as a member of a group.

toll-free number for disclosure is (866) 692-6901
(TTY (866) 346-3642 for hearing impaired)
If you have applied for a claim under life, health, medical or disability insurance, your information is probably in one of the medical databases above.

Other Health

Prescription Drug Purchase History Reports


Milliman IntelliScript

Purchase Returns History Reports

Retail Equation

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