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Do You Know What These 46 Consumer Reporting Agencies Are Saying About You?

February 26th, 2015 · No Comments · Credit Reports

by Kristy Welsh

(Last Updated On: February 26, 2018)

Do You Know What These 48 Consumer Reporting Agencies Are Saying About You?If you think the three major consumer reporting agencies collect a lot of information about you, brace yourself for this.

The Consumer Financial Protection Bureau (CFPB) says there are 46 agencies (based on an updated list published in 2016) whose consumer reports you should be paying attention to. The three big ones – Experian, TransUnion, and Equifax – are among them, but so are 43 others, collecting and reporting information that may be affecting you far more than you realize.

All 46 are listed below by category. At a glance, you should be able to see which categories are probably most important for you to pay attention to.

At the very least, most of us should know what’s on reports affecting:

  • Lending decisions
  • Hiring decisions
  • Renting a home
  • Auto and home insurance rates

What’s reported to medical and utility reporting agencies is also probably worth a look for most of us.

Nationwide Credit Reporting

You know these well, or at least you should:

1) Experian
2) TransUnion
3) Equifax

These are the three national credit reporting agencies to whom creditors report your account activity. It’s these reports that determine your credit scores and that lenders use to determine your creditworthiness.

Employment Screening

4) Accurate Background
5) American DataBank
6) backgroundchecks.com
7) EmployeeScreenIQ
8) First Advantage Corporation
9) General Information Services, Inc. (GIS)
10) HireRight Solutions, Inc.
11) Info Cubic
12) IntelliCorp
13) OPENonline
14) Pre-employ.com
15) SterlingBackcheck
16) Trak 1
17) The Work Number

Tenant Screening

18) Contemporary Information Corp.
19) CoreLogic SafeRent
20) Experian RentBureau
21) First Advantage Corporation Resident History Report
22) LeasingDesk (Real Page)
23) Screening Reports, Inc.
24) Tenant Data Services
25) TransUnion Rental Screening Solutions, Inc.

Check and Bank Screening

26) Certegy Check Services, Inc.
27) ChexSystems
28) Early Warning Services, LLC
29) TeleCheck Services, Inc.

Personal Property Insurance

30) C.L.U.E. Inc. (Personal Property & Auto Reports)
31) Insurance Information Exchange
32) Insurance Services Office, Inc. (ISO) (A-PLUS Property Reports)

Low-Income and Subprime

33) Clarity Services
34) DataX, Ltd.
35) FactorTrust, Inc.
36) PRBC/MicroBilt
37) CoreLogic Teletrack

Supplementary/Alternative Credit Reports

38) CoreLogic Credco
39) Innovis
40) LexisNexis Risk Solutions Bureau LLC
41) SageStream, LLC

Medical

42) MIB, Inc.
43) Milliman IntelliScript

Utilities

44) National Consumer Telecom & Utilities Exchange

Retail

45) The Retail Equation

Gaming

46) Certegy Gaming Services

How to Get Your Consumer Reports

Get free copies of your credit reports from Experian, TransUnion, and Equifax through AnnualCreditReport.com. For all others, the CFPB lists websites and contact information of all 46 reporting agencies here. Most are free, but the ones you have to pay for should not exceed $12. And should you have any trouble getting your consumer reports, submit a complaint to the CFPB.

List updated February 2017

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