Most consumers are aware of the three major credit reporting agencies. But Experian, Equifax and Transunion are not the only consumer reporting agencies collecting information about you.
There are roughly 400 specialty consumer reporting agencies, many of which can directly impact your financial viability.
These specialty consumer reporting agencies collect, maintain and report information to creditors, employers, insurance companies, banks, landlords, utility companies, cell phone companies and more.
Specialty consumer reporting agencies compiles reports from your history of:
- Opening or using bank accounts (including writing or bouncing checks or overdrafts)
- Apartment rental payments
- Car insurance claims
- Homeowners and renters insurance claims
- Payday lending
- Utility payments
- Phone bill payments
- Employment
- Medical records or payments
You have the right to know what nationwide specialty consumer reporting companies are saying about you to verify the accuracy of information reported.
Unfortunately the process of ordering a free report is not as streamlined as obtaining free copies of credit reports from www.annualcreditreport.com.
You’ll have to order the specialty consumer reports individually from each reporting company.
List of Specialty Consumer Agencies
Here is a list of he more commonly used specialty consumer reporting agencies. This list is not all-inclusive and is intended for information purposes only.
Employment screening
Accurate Background: Provides background screening services.
American Databank: Provides background screening services.
Back Ground Checks: Provides background screening services.
Checkr: Provides background screening services.
First Advantage Corporation: Provides background screening services.
General Information Services, Inc.: Provides background screening services.
HireRight: Provides background screening services.
Info Cubic: Provides background screening services.
IntelliCorp: Provides background screening services.
OPENonline: Provides background screening services.
Pre-Employ: Provides background screening services.
Sterling Talent Solutions: Provides background screening services.
Trak 1: Provides background screening services.
The Work Number: Provides background screening services.
Tenant Screening
Contemporary Information Corp: Conducts background screening services for landlords and residential real estate management companies. Information includes eviction and criminal background data.
CoreLogic Rental Property Solutions: Collects and reports comprehensive information about landlord-tenant actions (such as prior evictions), address history, public background check (to identify prior criminal and court judgments, including prior prison sentences, presence on government-managed sex offender and known terrorist databases).
Experian RentBureau: Collects rent payment history data from property owners and residential real estate managers, electronic rent payment services and collection companies, and makes that information available to the multifamily housing industry through tenant screening reporting companies. Experian also includes some positive rent data it receives from Experian RentBureau in its standard credit reports.
First Advantage Corporation Resident History Report: Provides background screening services.
LeasingDesk: Provides data for tenant screening.
Screening Reports, Inc.: Provides background screening services to the multifamily housing industry.
Tenant Data Services: Collects and provides rental performance history such as data on damages, unauthorized pets, lease violations and missed payments.
TransUnion Rental Screening Solutions: Provides background screening services.
Check and Bank Screening
Certegy Check Services: Collects check writing histories and provides check screening services primarily for retail merchants and gaming establishments who accept checks as payment.
ChexSystems: Provides account verification services primarily for financial institutions. ChexSystems collects and reports data on checking account applications, openings, and closures, including reasons for account closure. When you apply for a new checking account many banks and credit unions will refer to this database to help inform whether to approve your new account unless you apply at a bank that does not use ChexSystems.
CrossCheck, Inc.: Provides check verification and guarantee services primarily for automotive sales and repair, building supply, home improvement, retail, medical, dental, and veterinarian industries.
Early Warning Services (EWS): Assists financial institutions, check acceptance companies such as retail merchants, payment processors and other financial entities in detecting and preventing fraud associated with bank accounts and payment transactions. EWS is owned by 7 of the top banks in America.
Global Payments Check Services, Inc.: Provides check screening and verification services for various consumer-facing industries.
Telecheck: Assists retailers, financial institutions and other businesses in reducing fraud and other risks associated with accepting payments and opening accounts using check writing, and other checking account related information.
Personal Property Insurance
A-PLUS Property (by Verisk): Collects and reports insurance claims and loss information data associated with homes or commercial buildings.
C.L.U.E. Inc.: Collects and reports information on insurance coverage, losses associated with individuals and their personal property, as well as automobile insurance coverage and losses.
Drivers History: Provides reports to its insurance clients containing information and data collected from open public sources and governmental agencies regarding driving violations issued to specific individuals.
Insurance Information Exchange (iiX): Collects and reports motor vehicle records, including traffic violation data to insurance providers and prospective employers. The company also provides employment and education verification services.
Low-Income and Subprime
DataX: Collects and provides payment history regarding subprime consumers.
CoreLogic Teletrack: Collects consumer information about, and provides data to, payday lenders, rent-to-own businesses, furniture stores that offer financing, auto finance and leasing companies, high risk consumer finance businesses, subprime home lending businesses, subprime credit card issuers, banks, credit unions, cable/telecom companies and debt buyers/collectors.
Clarity Services: Collects and provides information on payday loans, installment loans, auto loans (and leasing), check cashing services, rent-toown transactions, telecommunication account openings, and financial services with an emphasis on the lower-income and subprime consumer market segments.
Medical
Milliman IntelliScript: Collects information on your prescription drug purchase history. You may have a prescription report about you if you authorized the release of your medical records to an insurance company and that company submitted a request to Milliman.
MIB, Inc.: Collects information about medical conditions and hazardous avocations with your authorization. It reports this information to life and health insurance companies to assess your risk and eligibility during the underwriting of individual (rather than as a member of a group) life, health, disability income, critical illness, and long-term care insurance policies.
FactorTrust: Collects loan performance information on nonprime consumers to provide predictive credit data, analytics and risk scoring solutions to short-term lenders, installment lenders, nonprime auto lenders (and leasing companies) and other subprime credit providers.
MicroBilt / PRBC: Provides consumer credit information, bill payment information, employment information, bank account data, property records, court judgments, address and phone information on low-income and subprime consumers to businesses that offer short term, rent-to-own, auto, retail and consumer finance lending.
Supplementary Reports
CoreLogic Credco: Collects and reports personal data such as property ownership and home loan obligation records; property legal filings and tax payment status; rental applications and collection accounts; consumer bankruptcies, liens, judgments, and child support obligations.
Innovis: Provides ID verification data to assist with fraud detection and prevention.
Supplementary Reports
CoreLogic Credco: Collects and reports personal data such as property ownership and home loan obligation records; property legal filings and tax payment status; rental applications and collection accounts; consumer bankruptcies, liens, judgments, and child support obligations.
LexisNexis Risk Solutions: Collects information from public records and multiple proprietary data sources. This includes items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses on file.
SageStream: This reporting company collects information from, and provides supplementary consumer reports to, auto lenders, credit card issuers, retailers, utilities and mobile phone service providers among other service providers.
Utilities
National Consumer Telecommunications & Utilities Exchange: Collects information on new telecom and utility connect requests, account and payment histories, defaults, and fraudulent accounts associated with telecommunications, pay TV, and utility (electric, gas, water) services to help companies in the telecommunications and utility industries identify high risk consumers.
Retail
National Consumer Telecommunications & Utilities Exchange: Monitors and reports to merchants retail product return and exchange fraud and abuse.
VIP Preferred: Provides consumer data to assist casinos and other gaming establishments such as racetracks to manage the risk associated with check cashing settlement services to consumers.
