Directory of consumer reporting agencies

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

There are three nationwide credit bureaus (also known as credit or consumer reporting agencies) that supply American consumer credit reports and credit scores. Each bureau has a slightly different approach to its reporting methods, so your report and score can vary from bureau to bureau. This directory provides a complete overview of the consumer reporting agencies, what they do, how they impact you and how you can interact with them.

What is a credit report?

A credit report is a record of a consumer’s history with credit throughout their adult life. A credit report includes:

• Current debt amounts
• Debt payment history
• Negative items with creditors
• Credit history length

This report is supposed to capture an overview of how responsible a borrower is with credit. The details of your credit report help lenders decide if they should approve you for credit and at what interest rate.

The report pulls information from financial institutions (banks and credit unions), credit card companies, government agencies, collection agencies and more. It also shows information such as:

• Where you live
• Where you work
• If you’ve filed for bankruptcy
• If you’ve been sued

Who manages your credit report?

In the United States, there are three major national credit reporting agencies: Equifax, TransUnion and Experian. These agencies collect consumer information and establish reports for each individual. Each bureau collects information individually, so the reports won’t match across agencies. Individuals have the right to order one free credit report, per bureau, once a year.

The lesser-known reporting agencies include CSC Credit Services, Credit Technologies and Global Payments.

Who can access your credit report?

You can access and review your credit report at any time, although you may have to pay for it if you’re trying to access it more than once a year from the same agency. The Fair Credit Reporting Act (FCRA) states that creditors and businesses evaluating your application for credit have the right to review your report.

Landlords, employers and insurance companies can only access your credit report if you allow them to. They can only do so when reviewing your application for a home rental, employment or an insurance policy.

How does your credit report affect your credit score?

Your credit score is based on information from your credit report. Specifically, your credit score is made up of five factors from your credit report:

1. Payment history: Do you frequently make late payments or miss payments entirely?
2. Credit utilization ratio: Do you use less than 30 percent of the credit available to you every month?
3. Credit history length: How long have you had credit (to showcase patterns and behaviors)?
4. Credit mix: Do you have various types of credit (student loan, mortgage, credit cards, etc.) and show that you’re responsible with all types of loans?
5. New credit: Did you open a lot of new credit all at once, potentially indicating money problems?

What to do if your credit report is incorrect

The Federal Trade Commission (FTC) is the nation’s consumer protection agency. This agency enforces regulations that the credit reporting agencies must follow. The consumer reporting agencies report on information that can significantly impact an individual, so it’s their responsibility to ensure the data is accurate. The FTC also enforces the Fair Credit Reporting Act (FCRA). Under the FCRA, each consumer is allowed to request a free copy of their credit report (per agency) every 12 months.

If a consumer finds inaccurate information on their report, both the credit reporting agency and the creditor that filed the information must investigate their claim. You can file a credit dispute about the information on your credit report by reaching out to the consumer reporting agency directly—this is done by writing a 609 letter. If the credit reporting agency doesn’t find your claim frivolous, they typically have 30 days to investigate.

The credit reporting agency will likely share the details of your dispute with the creditor that originally supplied the information. That creditor will need to investigate on its end and report its findings to the consumer reporting agency. When the investigation is complete, the credit reporting agency should notify you in writing. If there are changes to your credit report as a result of the investigation, the reporting agency must provide you with a free copy of your updated credit report.

Some consumers choose to bypass the credit reporting agency and dispute directly with the original creditor. If the creditor finds your dispute is correct, it should inform the credit reporting agency of the mistake so your credit report can be fixed.

Either way, you have every right to try to repair your credit.

Why it’s important to check different reports

Each of the three major credit bureaus might have a different version of your credit report. One agency may not have received all the information that another one has, resulting in slightly different reports. This matters because, when you apply for a loan or credit or need to pass a credit check for an employer, you never know which credit reporting agency they’ll reach out to.

To prepare yourself, you’ll want to see what your lender or potential employer is seeing. For example, your credit history could look very different if your lender pulled an Experian report instead of a TransUnion report. You’ll want to check your credit report with every agency every year to ensure there are no mistakes and you’ll know what people will see when you apply for credit or other applications.

The national credit bureaus

The list of national credit bureaus is quite long. Many reporting companies specialize in consumer reports for specific industries, such as employment screening, tenant screening, personal property insurance, utilities and more.

The three national credit bureaus (Equifax, TransUnion and Experian) offer a more holistic overview of an individual’s credit history and borrowing behavior, rather than focusing on a specific sector.

These national credit bureaus collect information on each consumer, including:

• Personal data (name, address, Social Security number, date of birth, place of work)
• Credit history (debts, payment history, credit applications)
• Status and activity on loans (including federal and private student loans)
• Bankruptcy filings
• Legal lawsuits

The credit bureaus do not collect information on:

• Overdue taxes to the IRS
• How much money is in your bank account
• Rent and utility bills (usually)
• Soft credit inquiries
• Medical history
• Major purchases paid in full
• Income

The two most common lender score companies that dominate the American market are the FICO score and the VantageScore. These vendors provide the credit scoring software systems that analyze your credit report (as compiled by the bureaus) to create a credit score.

Though these systems weigh the credit factors differently to determine your score, they both seek to give consumers a score that predicts how likely they might be to fall 90 days behind (or more) on a bill within the next 24 months.

Here are some details about each of the bureaus that you might find useful.

TransUnion

Founded in 1968, TransUnion is the smallest of the three major credit reporting agencies in the United States. Currently, TransUnion provides a credit score based on the VantageScore 3.0 model for its customers. TransUnion provides services to consumers in over 30 countries. The company’s slogan is “Making Trust Possible.”

Contact information

Website: https://www.transunion.com/

Address: 555 W Adams St, Chicago, IL 60661, United States

Phone Number: (833) 395-6938

Twitter: https://twitter.com/TransUnion

Facebook: https://www.facebook.com/TransUnion

LinkedIn: https://www.linkedin.com/company/transunion/

Apps:

https://play.google.com/store/apps/details?id=com.transunion.TransUnion&hl=en_CA&gl=US

https://apps.apple.com/us/app/transunion-score-report/id649008868

What information is listed on your report

TransUnion collects the following information for its consumer credit reports:

• Personal identification data such as legal name, birthday, current address, previous addresses, SSN and employers
• Credit history including missed and late payments to creditors
• Outstanding debt
• Public records, such as a bankruptcy filing
• Hard inquiries into your credit
• Information from collection agencies

How you obtain your report

You can request your free credit report from TransUnion (once every 12 months) by visiting this page and selecting “Get started” under the “Free Annual Credit Report” section.

Price of obtaining your report

Under the FCRA, every consumer reporting agency (including TransUnion) must provide consumers with a free copy of their credit report every 12 months (per the consumer’s request). After your free report, you can sign up for the TransUnion monthly subscription model. For $24.95 per month (plus tax where applicable), you receive your TransUnion Score & Report as part of its credit monitoring service.

History of security issues

In October 2017, the TransUnion website was hacked and the attackers had implemented a system that redirected visitors to download a malicious system disguising itself as an Adobe Flash update.

Other services offered

TransUnion provides additional services to both consumer and business customers. These products and services include:

1. Credit Protection (instant alerts)
2. Credit Score Stimulator
3. Credit Compass
4. Credit Lock Plus (TransUnion and Equifax)
5. TrueIdentity Free Identity Protection
6. Consumer Connect Services
7. CreditVision Suite
8. Prama Suite
9. IDVision Suite
10. Patient Payment Estimate
11. Prescreens
12. Risk Verification Platform

Equifax

Equifax was founded in 1899 and is headquartered in Atlanta, Georgia. Currently, Equifax “operates or has investments” in 24 countries internationally. Equifax offers scores based on both the VantageScore 3.0 model and the FICO Score 8 model.

Contact information

Website: https://www.equifax.com/personal/

Address: 1550 Peachtree St NE, Atlanta, GA 30309, United States

Phone Number: (888) 202-4025

Twitter: https://twitter.com/Equifax

Facebook: https://www.facebook.com/Equifax

LinkedIn: https://www.linkedin.com/company/equifax/

Apps:

https://play.google.com/store/apps/developer?id=Equifax+Inc&hl=en_CA&gl=US

https://apps.apple.com/us/developer/equifax/id347634123

What information is listed on your report

Your Equifax credit report includes the following:

1. Personal identifying information such as your name, address, SSN and date of birth
2. Credit accounts and your payment history
3. Hard inquiry details
4. Collection accounts
5. Bankruptcy filings

How you obtain your report

You can get a free copy of your Equifax credit report every 12 months. Go to this page and select “Get Started.”

Price of obtaining your report

The FCRA requires that all credit reporting agencies hand out one free credit report annually if a consumer requests it. The Equifax Complete Premier gives you access to your credit score and credit report on a monthly basis for $19.95 per month.

History of security issues

Equifax had a significant security breach in 2017. During this breach, attackers accessed 147 million personal accounts.

Other services offered

Similar to the other major credit bureaus, Equifax offers additional services to its customers. These services include:

• Equifax Score Watch
• Equifax Family Plan
• Equifax Complete Premier
• Equifax Credit Monitor
• Equifax Complete
• Equifax Core Credit

Experian

Experian is the newest of the major three credit bureaus as it was founded in 1996. The company is based in Dublin, Ireland, and supports clients in more than 100 countries. The credit scores provided by Experian are based on the FICO Score 8 model.

Contact information

Website: https://www.experian.com/

Address: Newenham House, Malahide Rd, Priorswood, Coolock, Co. Dublin, Ireland

Phone Number: (888) 397-3742

Twitter: https://twitter.com/experian_us

Facebook: https://www.facebook.com/experian/

LinkedIn: https://www.linkedin.com/company/experian/

Apps:

https://play.google.com/store/apps/details?id=com.experian.android&hl=en_CA&gl=US

https://apps.apple.com/us/app/experian-credit-report/id1087101090

What information is listed on your report

An Experian credit report includes information similar to the other credit reporting agency reports:

• Personal information such as your name and aliases, current address, past addresses, SSN, phone numbers, current employer and past employers
• A list of all your credit accounts, past and current, including your payment history, outstanding balances and creditor information
• Public records such as bankruptcies
• Recent hard inquiries into your account

How you obtain your report

You can get a free copy of your Experian credit report every 12 months. To request your free report, go to this page and select the “Get your free credit report” button.

Price of obtaining your report

You are legally allowed to request one free credit report from Experian every 12 months. If you want an extra report, Experian charges you $19.99 per request for both your credit report and your FICO score.

History of security issues

Experian has had two known security issues. The first was announced in October 2015 and impacted as many as 15 million American consumers. The company had a second breach in 2020 in South Africa.

Other services offered

Experian offers additional services for consumers, small businesses and large businesses. These services include:

• Family ID Theft Protection
• 3-Credit Bureau Report and FICO Score
• Experian Credit Lock
• Credit cards
• Loans
• Analytics for businesses
• Marketing assistance programs for businesses

Employment reporting

Consumer reporting companies don’t just include the major three credit reporting agencies—one of the largest subsectors of reporting companies is employment screening companies. Employment screening companies screen potential candidates and existing employees to verify information. Some of the information provided by employment screening companies is unique to these agencies and can’t be accessed anywhere else.

Overall, employment reporting can provide information about:

• Credit history
• Previous employers
• Salary amounts
• Education
• Professional license verification

Here is more information about a number of employment screening companies that might be relevant to you.

Accurate Background

Accurate Background provides background checks for employers. The company has been in business for over 23 years and prides itself on finding accurate data for the benefit of its customers and their candidates.

Contact information

Website: https://www.accurate.com/

Address: 7515 Irvine Center Dr., Irvine, CA 92618

Phone Number: (800) 784-3911

Twitter: https://twitter.com/AccurateBG

Facebook: https://www.facebook.com/AccurateBackground/

LinkedIn: https://www.linkedin.com/company/accurate-background/

Apps: N/A

What information is listed on your report

The details of your Accurate Background report will depend on what type of report you get. However, in general, the report will include personal identification information and data about you that an employer couldn’t easily find online.

How you obtain your report

If you’re an existing Accurate Background client, you can log into your client portal to review your reports.

If you’re an individual who’s having an Accurate Background report made about them, you can contact the company’s support team for information about your report.

Price of obtaining your report

Accurate Background offers its services in three tiers:

1. Basic: $29.95 per report
2. Standard: $59.95 per report
3. Premium: $74.95 per report

History of security issues

Accurate Background has not had a data breach to date.

Other services offered

Some of the services Accurate Background offers include:

• Criminal background check
• Business intelligence
• Credit checks
• Driving history
• Drug and health screening
• Form 1-9 and E-Verify
• Global searches
• Identity management
• Sanctions
• Social media searches
• Verifications

ADP Screening & Selection Services

Automatic Data Processing (ADP) has over 30 years of experience in screening candidates for employers. In addition to the United States, ADP provides employment reporting in over 170 countries.

Contact information

Website: https://www.adp.com/

Address: 1 ADP Blvd., Roseland, NJ 07068

Phone Number: (800) 225-5237

Twitter: https://twitter.com/ADP

Facebook: https://www.facebook.com/AutomaticDataProcessing/

LinkedIn: https://www.linkedin.com/company/adp

Apps:

https://play.google.com/store/apps/details?id=com.adpmobile.android

https://apps.apple.com/us/app/adp-mobile-solutions/id444553167

What information is listed on your report

The details of your ADP report can include criminal background checks, employment verification, credit history information and more.

How you obtain your report

If you’re an existing ADP client, you can log into your account to review your reports.

If you believe ADP had provided an employer with inaccurate information about you, you have the right to dispute the information by contacting ADP.

Price of obtaining your report

You will need to reach out to ADP directly to get a quote for employment reporting based on your needs.

History of security issues

In 2015 and 2016, ADP had data breaches that allowed fraudsters to access client information.

Other services offered

Some of the employment screening services ADP Screening & Selection Services offers include:

1. SSN verification
2. Criminal background checks
3. Government registry searches
4. Employment verification
5. Education verification
6. Credential, professional or license verification
7. Credit reports
8. Drug testing and medical screening

BackgroundChecks.com

BackgroundChecks.com offers background screening for employers or for individuals who want to screen themselves. The company is one of the founding members of the Professional Background Screening Association (PBSA®) and is also a co-founder of the Expungement Clearinghouse. The company has helped over 17,000 organizations with their employment screening needs.

Contact information

Website: https://www.backgroundchecks.com/

Address: P.O. Box 353, Chapin, SC 29036

Phone Number: (866) 265-6602

Twitter: https://twitter.com/@BackgroundBiz

Facebook: https://www.facebook.com/backgroundcheckscom

LinkedIn: https://www.linkedin.com/company/backgroundchecks.com/

Apps: N/A

What information is listed on your report

Backgroundchecks.com provides employers with reports that include criminal data, employment verification, education verification and credit history.

How you obtain your report

You can order a report directly through the Backgroundchecks.com website.

Price of obtaining your report

Backgroundchecks.com offers its services in three tiers:

• Instant Criminal Check: $29.95 per report
• Instant Criminal Check and Local County: $49.95 per report
• Instant Criminal Check and All Counties: $64.95 per report

Employers can receive volume discounts for ordering multiple reports.

History of security issues

Backgroundchecks.com has not had a data breach to date.

Other services offered

Some of the services offered by BackgroundChecks.com include:

• Criminal searches (county, state and federal level)
• Driving record reports
• Drug screening
• Professional verifications for employment, references, education or professional licenses
• Credit reports
• Bankruptcy report
• County and federal civil search

Checkr

Checkr uses AI technology for more accurate and efficient background checks. The company launched in 2014 and believes in giving candidates a fair chance to work by connecting employers to more diversified candidate pools.

Contact information

Website: https://checkr.com/

Address: One Montgomery St., Suite 2000, San Francisco, CA 94104

Phone Number: (844) 224-3257

Twitter: https://twitter.com/checkr

Facebook: https://www.facebook.com/checkrio/

LinkedIn: https://www.linkedin.com/company/checkr-com

Apps: N/A

What information is listed on your report

A Checkr report can include information about a person’s criminal record (including sex offender status and terror watch lists), driving records, employment verification, education verification, drug screening, credit checks and SSN verification.

How you obtain your report

Checkr’s “Candidate Portal” allows individuals to check on the status of their background check and receive a copy of their report, as well as access additional information. Clients also use the online platform to request candidate screenings and review reports.

Price of obtaining your report

Pricing for a report will depend on the type of report and the total number of reports you need. On average, Checkr prices range from $21 to $47 per report.

History of security issues

Checkr has not had a data breach to date. However, there have been multiple lawsuits filed against Checkr by individuals who claim the company reported obsolete information to employers.

Other services offered

Some of the services offered by Checkr include:

• Criminal records check
• Driver and MVR screening
• Drug and health screening
• Verification checks
• Civil searches
• Continued monitoring

EmpInfo

EmpInfo looks to help employers, employees and verifiers in the employment screening process. To date, EmpInfo has verified over half a million applications and is used by some of the world’s most successful companies.

Contact information

Website: https://www.empinfo.com/

Address: 5900 Silver Creek Valley Rd., San Jose, CA 95138

Phone Number: (800) 274-9694

Twitter: https://twitter.com/empinfo

Facebook: https://www.facebook.com/empinfo/

LinkedIn: https://www.linkedin.com/company/empinfo

Apps: N/A

What information is listed on your report

When an employer requests a report from EmpInfo, the report can contain employment history and income history.

How you obtain your report

You can obtain a report directly on the EmpInfo website.

Price of obtaining your report

Employers and verifiers have to contact EmpInfo directly for report pricing.

History of security issues

EmpInfo has not had a data breach to date.

Other services offered

Some of the services provided by EmpInfo are:

• Employment verification
• Income verification

First Advantage Corp

First Advantage Corp provides a one-stop shop for comprehensive background checks. More than 35,000 companies internationally use First Advantage Corp for their employee screening needs.

Contact information

Website: https://fadv.com/solutions/xtdforce/

Address: First Advantage Consumer Center, P.O. Box 105292, Atlanta, GA 30348-5292

Phone Number: (844) 718-0087

Twitter: https://twitter.com/firstadvantage

Facebook: https://www.facebook.com/FirstAdvantage1

LinkedIn: https://www.linkedin.com/company/first-advantage/

What information is listed on your report

First Advantage provides verification for education, licenses, credentials, employment history and immigration status. Additionally, employers can order report information on credit checks, criminal background screenings and social media screenings.

How you obtain your report

Clients can access an employment report directly on the First Advantage website. Additionally, people who have had First Advantage create a report about them and report incorrect information can start a dispute on the site.

Price of obtaining your report

First Advantage is an international company offering a wide variety of detailed employment reports. To get an accurate price quote, customers will need to reach out to the company directly.

History of security issues

First Advantage had one data breach in 2007 that impacted one customer.

Other services offered

Some of the services offered by First Advantage Corp include:

• Background checks
• Criminal record monitoring
• Workflow and compliance management
• Drug and alcohol testing
• Fleet compliance
• Fingerprinting
• Driver services for Department of Transportation (DOT) and non-DOT employers
• Executive background screening
• Freelance and contract worker screening

General Information Services, Inc. (HireRight)

General Information Services, Inc. (GIS), has been offering background screenings since 1966. The company recently merged with HireRight and now operates under this new brand name. The team and its resources help companies in over 200 countries and territories.

Contact information

Website: https://www.hireright.com/

Address: 14002 E. 21st St., Suite 1200, Tulsa, OK 74134

Phone Number: (800) 381-0645

Twitter: https://twitter.com/HireRight

Facebook: https://www.facebook.com/hireright/

LinkedIn: https://www.linkedin.com/company/hireright/

Apps: N/A

What information is listed on your report

When an employer obtains a screening from HireRight, it can include information about an individual’s drug and health history, criminal records, driving records and identification verification.

How you obtain your report

An employer can obtain a report on an individual directly through the HireRight website.

Price of obtaining your report

HireRight pricing will depend on your specific needs but can start as low as $39.95 per month.

History of security issues

HireRight has not had a data breach to date.

Other services offered

Some of the services offered by HireRight include:

• Criminal background checks
• Identity checks
• Verifications
• Drug and health screening
• 1-9 & E-Verify
• Candidate experience screening
• Extended workforce screening
• Executive intelligence
• Monitoring services
• Driving records
• Global screening

Info Cubic

Info Cubic launched its company in 2002 and believes in providing quality services to the companies it helps. The organization is accredited through the PBSA.

Contact information

Website: https://infocubic.com/

Address: 116 Inverness Dr. E., Suite 206, Englewood, CO 80112

Phone Number: (877) 360-4636

Twitter: N/A

Facebook: https://www.facebook.com/Infocubic.USA/

LinkedIn: https://www.linkedin.com/company/info-cubic/

Apps: N/A

What information is listed on your report

Info Cubic provides employers with reports that can include an individual’s employment history, credit history, criminal background check and identity verification.

How you obtain your report

You can sign up for an Info Cubic report here.

Price of obtaining your report

Info Cubic offers a wide range of business packages that range in pricing from $19 to $99.

History of security issues

Info Cubic has not had a data breach to date.

Other services offered

Some of the services offered by Info Cubic include:

• Background screening
• Drug and health screening
• International background checks
• Employment eligibility
• Post-hire screening solutions
• Applicant experience verification
• ATS integration

IntelliCorp

IntelliCorp has been in business since 1996 and offers its services on an international scale. The company was named the 2020 Best Background Check Service by Digital.com. Additionally, IntelliCorp has been accredited through the PBSA.

Contact information

Website: https://www.intellicorp.net/

Address: 3000 Auburn Dr., Suite 410, Beachwood, OH 44122

Phone Number: (216) 450-5200

Twitter: https://twitter.com/IntelliCRecords

Facebook: https://www.facebook.com/intellicorp/

LinkedIn: https://www.linkedin.com/company/intellicorp-records-inc-/

Apps: N/A

What information is listed on your report

IntelliCorp provides reports that include information about an individual’s criminal background check, credit history and identity verification.

How you obtain your report

You will need to contact IntelliCorp to get started. Once you create an account, you’ll be able to sign in online to access your information.

Price of obtaining your report

According to PCMag, report pricing from IntelliCorp depends on the type of report you’re getting. Pricing ranges from $27.95 to over $100 per report.

History of security issues

IntelliCorp has not had a data breach to date.

Other services offered

Some of the services offered by IntelliCorp are:

• Adverse action services
• Credit checks
• Criminal record checks
• Driving records (MVR) screening
• Drug screening
• Employment, education and professional references verification
• Form I-9 & E-Verify
• International checks
• Medical screening
• Social Security and address history checks

OpenOnline

OpenOnline is now a part of Universal Background Screening after a recent acquisition in 2020. OpenOnline was originally founded in 1992 as a partnership between a private company and the Ohio State Bar Association. The company specializes in working with clients in the banking, financing, government, law enforcement, healthcare, education and transportation industries.

Contact information

Website: https://www.openonline.com/

Address: P.O. Box 5920, Scottsdale, AZ 85261

Phone Number: (614) 481-6999

Twitter: https://twitter.com/backgroundpros

Facebook: https://p.facebook.com/OPENonlineLLC/

LinkedIn: https://www.linkedin.com/company/openonline/

Apps: N/A

What information is listed on your report

Typically, a report from OpenOnline includes information about a person’s driving record, criminal history, education verification and employment verification. However, employers can choose to add more information if they wish.

How you obtain your report

OpenOnline clients can log in to their accounts on the website to access their purchased reports.

Price of obtaining your report

OpenOnline states that potential customers need to contact them directly for pricing.

History of security issues

OpenOnline has not had a data breach to date.

Other services offered

Some of the services offered by OpenOnline include:

• Employment background checks
• Criminal checks
• Credit checks
• Identity verification
• Drug and alcohol screening
• I-9 Manager
• ATS integration

Pre-employ.com

Pre-employ.com was established in 1994 and now helps over 10,000 employers with their employee screening needs. The company relies on screening software to manage the majority of its services. Pre-employ.com is PBSA accredited.

Contact information

Website: https://www.pre-employ.com/

Address: P.O. Box 491570, Redding, CA 96049

Phone Number: (800) 300-1821

Twitter: https://twitter.com/preemploy

Facebook: https://www.facebook.com/PreEmploy/

LinkedIn: https://www.linkedin.com/company/pre-employ/

Apps: N/A

What information is listed on your report

Pre-employ.com provides various details in its employment screening reports, including drug test results, criminal background checks and employment history.

How you obtain your report

Both clients and candidates can log in on the Pre-employ.com website to access reports.

Price of obtaining your report

Businesses that need between 1 and 24 checks per year can choose from three tiers of pricing:

1. Basic Package: $29.99 per report
2. Standard Package: $54.99 per report
3. Premium Package: $79.99 per report

Companies that need 25 checks or more per year should contact Pre-employ.com directly for a personalized quote.

History of security issues

Pre-employ.com has not had a data breach to date.

Other services offered

Some of the services offered by Pre-employ.com are:

• Criminal searches
• Verification searches
• Registry searches
• I-9 & E-Verify
• Credit reports
• Drug testing
• OIG search and healthcare
• FACIS 1M
• Motor vehicle reports
• Incarceration monitoring

Sterling

Sterling Backcheck is a global leader in the employment reporting industry. The company specializes in working with employers from several industries and offers reliable, accurate data.

Contact information

Website: https://www.sterlingcheck.com/

Address: 1 State Street Plaza, New York, NY 10004

Phone Number: (800) 899-2272

Twitter: https://twitter.com/sterlingcheck

Facebook: N/A

LinkedIn: https://www.linkedin.com/company/sterlingcheck/

Apps: N/A

What information is listed on your report

Sterling Backcheck is one of the largest employment screening companies and can produce reports that include information about a person’s social media activity, court records, drug history, driving records, criminal history, employment history, education verification, fingerprinting and more.

How you obtain your report

Clients can access reports on the Sterling website. Additionally, individuals can access their personalized background check on the site.

Price of obtaining your report

A Sterling Backcheck report can cost anywhere from $50 to several hundred per report. The final price will be based on how much information is needed.

History of security issues

In 2015 Sterling Backcheck had a security breach that impacted up to 100,000 people.

Other services offered

Some of the services offered by Sterling include:

• Civil court records
• Criminal background checks
• Global screening
• Motor vehicle records
• Sanctions, risks and compliance screening
• Social media searches
• SSN trace
• Drug and health screening
• Fingerprinting
• Identity verification
• Credit reports
• Executive investigations
• Liens, judgments and bankruptcy checks
• Medical license monitoring
• Workforce monitoring
• Form 1-9 & E-Verify

Truework

Truework helps employers and verifiers with their candidate screening needs. Truework always secures private data and only shares it with necessary parties. The New York Times called Truework a challenger to Equifax’s verification service.

Contact information

Website: https://www.truework.com/

Address: 325 Pacific Ave, San Francisco, CA 94111

Phone Number: (833) 878-3967

Twitter: https://twitter.com/truework

Facebook: https://www.facebook.com/trueworkhq/

LinkedIn: https://www.linkedin.com/company/trueworkhq

Apps: N/A

What information is listed on your report

A Truework report typically shows an individual’s employment history and proof of income.

How you obtain your report

Clients can log in to the online portal to access their reports. If your employer uses Truework, you can request a copy of your report for free.

Price of obtaining your report

You will need to reach out to Truework directly to get a quote for employment reporting.

History of security issues

Truework has not had a data breach to date.

Other services offered

Some of the services offered by Truework include:

• Income verification
• Employment verification
• Background checks

The Work Number

The Work Number offers digital verification solutions. This organization has access to data from 111 million records of employment and income—and this number continues to grow. This service is powered by Equifax and has “verification data from more than one million employers.”

Contact information

Website: https://theworknumber.com/

Address: 3470 Rider Tr. S., Earth City, MO 63045

Phone Number: (866) 604-6570

Twitter: N/A

Facebook: N/A

LinkedIn: N/A

Apps: N/A

What information is listed on your report

The Work Number provides reports that verify a person’s employment and income.

How you obtain your report

Both employers and individuals can sign up directly on The Work Number’s website.

Price of obtaining your report

A report costs $49.95 for just an employment verification report or an employment and income verification report.

History of security issues

The Work Number is owned by Equifax, which had a major data breach in 2017.

Other services offered

Some of the services offered by The Work Number are:

• Education verification
• Income verification
• Employment verification
• IRS transcripts fulfillment service
• Property verification
• SSN verification
• Social service screening
• Verification of employment for government

Rent or tenant reporting

Landlords and property management companies use tenant reporting companies to screen tenant applications. They’re looking for information to weed out irresponsible tenants. Tenant reporting can include information such as late or missed rent payments, rejected lease applications, evictions and more.

Contemporary Information Corp

Contemporary Information Corp (CIC) was founded in 1986 and offers quality resident screening that’s backed by accurate data. On average, a report by CIC takes five seconds to generate, allowing residential landlords and property managers to make fast decisions.

Contact information

Website: https://www.cicreports.com/

Address: 42913 Capital Dr., Unit 101, Lancaster, CA 93535

Phone Number: (800) 288-4757

Twitter: https://twitter.com/cicreports

Facebook: https://www.facebook.com/CICReports/

LinkedIn: https://www.linkedin.com/company/contemporary-information-corporation-cic-/

Apps: N/A

What information is listed on your report

CIC provides tenant screening reports that include eviction information, credit checks and criminal background checks.

How you obtain your report

Clients can log in to their online account to access their reports.

Price of obtaining your report

Prices for tenant screening are as follows:

1. Credit check: $7.50 per report
2. Credit check and eviction screening: $8.50 per report
3. Credit, eviction and criminal screening: $14.50 per report

History of security issues

Contemporary Information Corp has not had a data breach to date.

Other services offered

Some of the services offered by CIC include:

• Credit reports
• Eviction records
• Criminal history
• A personalized MyDecision Rental Recommendation from CIC based on the data collected

CoreLogic Rental Property Solutions

CoreLogic Rental Property Solutions is a global tenant reporting organization with operations in the United States and Australia. The company uses a statistically validating scoring model to analyze relevant factors and provide a detailed residential screening that takes into account important risk factors.

Contact information

Website: https://www.corelogic.com/industry/rental-property-solutions.aspx

Address: 40 Pacifica, Suite 900, Irvine, CA 92618

Phone Number: (800) 426-1466

Twitter: https://twitter.com/corelogicinc

Facebook: https://www.facebook.com/CoreLogic/

LinkedIn: https://www.linkedin.com/company/corelogic-saferent/

Apps: N/A

What information is listed on your report

CoreLogic Rental Property Solutions provides reports that include information about a person’s criminal background screening, address history and eviction history.

How you obtain your report

Clients can access their tenant screening reports directly on the CoreLogic Rental Property Solutions website.

Price of obtaining your report

You will need to reach out to CoreLogic Rental Property Solutions directly to get a quote for tenant screening reporting based on your needs.

History of security issues

CoreLogic had a data breach in 2017.

Other services offered

Some of the residential screening data CoreLogic Rental Property Solutions looks at includes:

• Internal proprietary records
• Eviction records
• Address history
• Criminal records
• Identity fraud screening
• Credit data

Experian RentBureau

Experian RentBureau is a tenant screening tool powered by Experian. The Experian RentBureau database receives updates every 24 hours about rental payment history data from landlords and property managers, ensuring the information is always accurate.

Experian adds positive and negative rental data to a consumer’s credit report, so when evaluating a tenant, a landlord can see on-time, late and missed payments.

Consumers can choose to add this information to their credit report to boost their profile. Additionally, landlords can make this request to encourage on-time payments. If a tenant knows their rent payments are tied to their credit report and credit score, they may be more likely to pay.

Contact information

Website: https://www.experian.com/rentbureau/renter-credit

Address: 475 Anton Blvd., Costa Mesa, CA 92626

Phone Number: (714) 830-7000

Twitter: N/A

Facebook: N/A

LinkedIn: N/A

Apps: N/A

What information is listed on your report

Experian RentBureau provides information on an individual’s rental history and payment data to landlords or property management agencies.

How you obtain your report

Individuals can access an Experian RentBureau report directly on the website.

Price of obtaining your report

You will need to reach out to Experian RentBureau directly to get a quote for report pricing.

History of security issues

Experian RentBureau is run by its parent company, Experian, which has had two security breaches.

Other services offered

You can receive standard credit reporting services through Experian.

First Advantage Corporation Resident Solutions

First Advantage Corporation Resident Solutions helps landlords and property managers fight fraud and find the right tenant. Over 35,000 partners use First Advantage in over 200 countries. The company claims to be the largest and most trusted residential screening provider.

Contact Information

Website: https://fadv.com/solutions/residential-tenant-background-checks/

Address: P.O. Box 105292, Atlanta, GA

Phone Number: (800) 845-6004

Twitter: https://twitter.com/firstadvantage

Facebook: https://www.facebook.com/FirstAdvantage1

LinkedIn: https://www.linkedin.com/company/first-advantage/

What information is listed on your report

The First Advantage Corporation Resident Solutions report includes an individual’s credit report, criminal background check, rental history and identity verification.

How you obtain your report

Individuals—both customers and the reportees—can access their report on the First Advantage Corporation Resident Solutions website.

Price of obtaining your report

You will need to reach out to First Advantage Corporation Resident Solutions directly to get a quote for tenant screening.

History of security issues

First Advantage had one data breach in 2007 that impacted one customer.

Other services offered

Some of the residential screening services this organization provides includes:

• Background checks
• Identity fraud screening
• Eviction screening
• Lease dispute records
• Payment history

RealPage

RealPage was founded in 1998 and serves over 12,200 clients across North America, Europe and Asia. The company uses artificial intelligence software when conducting residential screenings. RealPage has access to over 30 million rental records, making its database robust.

Contact information

Website: https://www.realpage.com/apartment-marketing/resident-screening/

Address: 2201 Lakeside Blvd., Richardson, TX 75082

Phone Number: (877) 325-7243

Twitter: https://twitter.com/ADP

Facebook: https://twitter.com/ADP

LinkedIn: https://www.linkedin.com/company/realpage/

Apps:

https://play.google.com/store/apps/details?id=com.realpage.onesite.maintenance

https://apps.apple.com/ca/app/mobile-facilities-by-realpage/id904744873

What information is listed on your report

RealPage provides individual reports that include identity verification, rental history and criminal history.

How you obtain your report

Individuals can contact RealPage to start the screening process.

Price of obtaining your report

You will need to reach out to RealPage directly for pricing.

History of security issues

In 2020, RealPage was hacked and $10.5 million in funds were stolen from the company.

Other services offered

Some of the residential screening services include:

• Credit checks
• Identity verification
• Rental history
• Criminal history screening

Screening Reports, Inc.

Screening Reports, Inc., is a national provider of residential screening services that are accurate, fast and cost effective. The company provides services to both renters who want to disclose their information and landlords who want to screen applicants.

Contact Information

Website: https://www.screeningreports.com/

Address: 220 Gerry Dr., Wood Dale, IL 60191

Phone Number: (866) 389-4042

Twitter: N/A

Facebook: N/A

LinkedIn: https://www.linkedin.com/company/screening-reports-inc./about/

Apps: N/A

What information is listed on your report

A tenant report from Screening Reports, Inc., can include employment verification, criminal background checks, rental history and credit reports.

How you obtain your report

You can log in to your Screening Reports, Inc., account to access all tenant screening reports.

Price of obtaining your report

You will need to reach out to the Screening Reports, Inc., sales team to get a quote for employment reporting.

History of security issues

Screening Reports, Inc., has not had a data breach to date.

Other services offered

Screening Reports, Inc., looks at:

• Criminal records
• Eviction records
• Employment verification
• Credit checks
• Income verification
• Previous rental housing history

TransUnion Rental Screening Solutions Inc. (TransUnion SmartMove)

TransUnion Rental Screening Solutions Inc., also known as SmartMove, is powered by TransUnion. SmartMove does everything online, keeps personal information secure and is fast.

Contact Information

Website: https://www.mysmartmove.com/

Address: 6430 S. Fiddlers Green Cir., Suite 500, Greenwood Village, CO 80111

Phone Number: (888) 387-1750

Twitter: https://twitter.com/transunionsm

Facebook: https://www.facebook.com/transunion.smartmove

LinkedIn: https://www.linkedin.com/showcase/transunion-smartmove/

Apps: N/A

What information is listed on your report

Landlords and property management groups can access this report to review an individual’s credit report, criminal history and background check.

How you obtain your report

Employers can create a SmartMove account to send potential tenants a request for screening. They will then get notified online of the applicant’s results and be able to review them.

Price of obtaining your report

Landlords and property management groups can create a free SmartMove account and pay per tenant screening.

History of security issues

SmartMove is owned by parent company TransUnion, which in October 2017 experienced a data breach.

Other services offered

You can also receive standard credit reporting services through TransUnion.

Check reporting

Check reporting companies, also known as bank screening companies, collect and analyze data on people’s checking account applications. The reports from these screenings can include information about how many accounts an individual has opened or closed, check verifications and more.

Certegy Check Services

Certegy Check Services is a check-screening company that looks to eliminate the risk of fraud for businesses. The company has been in business for over 60 years and helps its clients feel secure in their transactions.

Contact Information

Website: https://certegy.com/

Address: P.O. Box 30046, Tampa, FL 33630-3046

Phone Number: (800) 237-3826

Twitter: N/A

Facebook: N/A

LinkedIn: https://www.linkedin.com/company/adp

Apps: N/A

What information is listed on your report

Retailers and companies can use Certegy Check Services to verify and process checks.

How you obtain your report

Companies need to install and use Certegy’s point-of-sale risk assessment technology.

Price of obtaining your report

Using Certegy Check Services’ technology will be priced depending on your volume and needs.

History of security issues

Certegy Check Services had a data breach in 2007 that impacted 5.9 million customers.

Other services offered

Some of the services offered by Certegy include:

• Automated Clearing House (ACH) services
• Retail check verification
• Returned check processing
• ECC point-of-sale (converting a customer’s check into an electronic payment from their account)

ChexSystems

ChexSystems is a nationwide specialty consumer reporting agency. The company provides check reporting services to businesses and also allows consumers to access or dispute their ChexSystems file.

Contact Information

Website: https://www.chexsystems.com

Address: 7805 Hudson Rd., Suite 100, Woodbury, MN 55125

Phone Number: (800) 428-9623

Twitter: https://twitter.com/chex_systems

Facebook: https://www.facebook.com/Federal-Chex-Systems-Inc

LinkedIn: N/A

Apps: N/A

What information is listed on your report

ChexSystems creates reports on how individuals handle their deposit exchanges at financial institutions.

How you obtain your report

Consumers can request a copy of their report directly on the website.

Price of obtaining your report

Consumers can obtain a copy of their report for free if they’ve been denied due to ChexSystems information.

History of security issues

ChexSystems has not had a data breach to date.

Other services offered

Some of the services provided by ChexSystems are:

• Any theft or identity fraud alerts for the consumer
• Closed and open checking accounts
• Inquiries made by other companies
• Returned checks
• History of checks ordered

CrossCheck

CrossCheck has been providing check-screening services for over 35 years. The company provides payment tools for businesses, retailers and auto dealers that help them reduce transactional risk. CrossCheck aims to continuously invest in new technology to stay ahead of monetary scams.

Contact Information

Website: https://www.cross-check.com/

Address: 1440 North McDowell Blvd., Petaluma, CA 94954

Phone Number: (707) 665-2100

Twitter: https://twitter.com/crosscheckinc

Facebook: https://www.facebook.com/crosscheck/

LinkedIn: https://www.linkedin.com/company/crosscheckinc/

Apps: N/A

What information is listed on your report

CrossCheck collects information on how individuals process non-cash payments. This allows CrossCheck to analyze check verification and payment history.

How you obtain your report

Companies looking to access check verification information will need to install and use CrossCheck financial equipment.

Price of obtaining your report

You will need to reach out to CrossCheck directly to get a quote for their services.

History of security issues

CrossCheck has not had a data breach to date.

Other services offered

Some of the services offered by CrossCheck are:

• Check guarantee
• Check verification
• Electronic check processing
• Remote deposit capture plus
• Check processing plus recovery
• Stop payments

Early Warning Services

Early Warning Services was founded in the 1990 and has grown to become a major player in the check reporting industry. More than 2,500 financial institutions rely on Early Warning’s data when opening new consumer accounts. The company analyzes over 4.2 billion financial events on an annual basis.

Contact Information

Website: https://www.earlywarning.com/

Address: 16552 N. 90th St., Scottsdale, AZ 85260

Phone Number: (800) 745-1560

Twitter: https://twitter.com/earlywarningllc

Facebook: N/A

LinkedIn: https://www.linkedin.com/company/early-warning-services/

Apps: N/A

What information is listed on your report

Early Warning Services reports consumer information about bank accounts and financial transactions.

How you obtain your report

Consumers can request a copy of their report to make sure there are no mistakes in their file.

Price of obtaining your report

The report is free for consumers.

History of security issues

Early Warning Services has not had a data breach to date.

Other services offered

Some of the services provided by Early Warning are:

• Identity verification
• Suspicious activity alerts
• Asset search and verification
• SSN verification
• Check verification
• Account owner authentication

Global Payments Check Services, Inc.

Global Payments Check Services, Inc., is an international supplier of check reporting services. The company has a three-point strategy: always be software-driven, have full omni-channel capabilities and achieve faster market exposure growth.

Contact Information

Website: https://www.globalpaymentsinc.com

Address: 3550 Lenox Rd., Suite 3000, Atlanta, GA 30326

Phone Number: (770) 829-8000

Twitter: https://twitter.com/globalpayinc

Facebook: https://www.facebook.com/GlobalPaymentsInc/

LinkedIn: https://www.linkedin.com/company/global-payments/

Apps:

https://play.google.com/store/apps/details?id=com.apriva.mobile.globalpayments.canada

https://apps.apple.com/us/app/mobile-pay-by-global-payments/id1029208223

What information is listed on your report

The details of your Global Payments Check Services, Inc., report can include credit history information and a criminal background check.

How you obtain your report

You can log in to the Global Payments client portal to access reports. Consumers who think Global Payments is reporting incorrect information about them can contact the company’s customer service to start a dispute.

Price of obtaining your report

Global Payments Check Services, Inc., offers its check-screening services in a variety of formats, so businesses should reach out to the company directly for pricing.

History of security issues

In 2012, Global Payments had a data breach that impacted 1.5 million customers.

Other services offered

Global Payments offers various secure e-commerce payment services.

TeleCheck

TeleCheck is a check-screening company that helps businesses ensure their transactions are secure and authentic. Consumers who believe TeleCheck has incorrect information can file a dispute directly on its website.

Contact Information

Website: https://getassistance.telecheck.com/home.html

Address: 5565 Glenridge Connector N.E., Atlanta, GA 30342

Phone Number: (800) 366-2425

Twitter: https://twitter.com/telecheck

Facebook: N/A

LinkedIn: https://www.linkedin.com/company/telecheck/

Apps: N/A

What information is listed on your report

Banks and financial institutions report to TeleCheck if a consumer’s checks or EFT transfers are declined. TeleCheck can then report on this history to assess the consumer’s check verification.

How you obtain your report

Consumers can request their consumer file report online.

Price of obtaining your report

As a consumer, you can access a free report once a year from TeleCheck Services. TeleCheck Services typically charges merchants on a per-check basis, but you will have to reach out for specific pricing.

History of security issues

TeleCheck Services has not had a data breach to date. However, in 2014 they did have to pay a $3.5 million fee for violating the Fair Credit Reporting Act by mishandling consumer disputes.

Other services offered

Some of the services provided by TeleCheck include:

• Check acceptance
• Check processing
• Risk analytics reporting

Insurance reporting

Insurance reporting companies collect, analyze and report data about consumers’ homes, vehicles and property to insurance companies.

A-PLUS Property by Verisk

A-PLUS Property by Verisk collects and reports consumer insurance claims and losses to property, vehicle and personal property insurance companies. Individuals can claim a free copy of their A-PLUS loss history report for property or vehicles. Consumers can also dispute any information on their A-PLUS report.

Contact Information

Website: https://fcra.verisk.com/#/

Address: P.O Box 5404, Suite 300 Mt. Laurel, NJ 08054-5404

Phone Number: (800) 709-8842

Twitter: https://twitter.com/verisk

Facebook: https://www.facebook.com/VeriskAnalytics/

LinkedIn: https://www.linkedin.com/company/veriskinsurance/

Apps: N/A

What information is listed on your report

Insurance companies can look up a consumer’s history with claims and losses on homes, autos and personal property.

How you obtain your report

To request a free A-PLUS loss history report, call the A-PLUS Consumer Report Request Line at 800-627-3487.

Price of obtaining your report

Under the FCRA, consumers can obtain their report for free.

History of security issues

A-PLUS Property by Verisk has not had a data breach to date.

Other services offered

Clients can also access consumer loss reports for property, homes and vehicles.

LexisNexis CLUE

LexisNexis CLUE is an insurance reporting company that collects data on consumers’ automobile claims for up to seven years. While the company specializes in the automobile industry, it also works with home and personal property claims. The company has customers in over 170 countries and looks to both help businesses reduce their risks and help consumers get a fair quote.

Contact Information

Website: https://risk.lexisnexis.com/

Address: P.O. Box 105295, Atlanta, GA 30348-5295

Phone Number: (866) 312-8076

Twitter: https://twitter.com/LexisNexisRisk

Facebook: https://www.facebook.com/LexisNexisRisk

LinkedIn: https://www.linkedin.com/company/lexisnexis-risk-solutions/

Apps: N/A

What information is listed on your report

LexisNexis reports on insurance claims for vehicle and property losses over the last seven years. The report includes information on the type of claim, the dates of the claim and the amounts paid.

How you obtain your report

Consumers can access their free report every 12 months by reaching out to the company’s customer service department.

Price of obtaining your report

Businesses that want to use LexisNexis for screening will need to reach out for a price quote based on their needs. Consumers can get a free report annually.

History of security issues

LexisNexis has had two security breaches, one in 2005 and one in 2013.

Other services offered

The reporting services offered by LexisNexis CLUE include:

• Active risk management
• Claims research
• Compliance screening
• Fraud detection
• Identity access management
• Location intelligence

Insurance Information Exchange

Founded in 1984, Insurance Information Exchange collects information on motor vehicle records, including traffic violations. This information can be provided to insurance companies and employers. The company serves more than 20,000 customers and processes millions of transactions annually.

Contact Information

Website: https://www.verisk.com/iix/

Address: 1716 Briarcrest Dr., Suite 200, Bryan, TX 77802

Phone Number: (800) 683-8553

Twitter: N/A

Facebook: https://www.facebook.com/TalkToiiX/

LinkedIn: https://www.linkedin.com/company/iix---insurance-information-exchange/

Apps: N/A

What information is listed on your report

Insurance Information Exchange provides reports to companies that include driving records, employment verification, education verification and background checks.

How you obtain your report

Customers can sign into their online portal to access the reports they’ve commissioned.

If you believe Insurance Information Exchange has included incorrect information on a consumer report about you, reach out to them to start a dispute.

Price of obtaining your report

Companies need to reach out to Insurance Information Exchange directly to get pricing for screenings.

History of security issues

Insurance Information Exchange has not had a data breach to date.

Other services offered

Some of the services offered by Insurance Information Exchange include:

• Driver risk management
• Criminal background checks
• Verification
• Compliance

Medical reporting

Medical reporting companies share your medical data and history with insurance companies. However, you must first approve the data to be shared. This data can help insurance companies in their decision-making process when approving you for a policy and determining your fees.

MIB

MIB has been in operation since 1902 and is considered a leader in underwriting services. The organization provides consumer data to insurance companies so consumers can acquire life, health, disability income, critical illness and long-term care insurance policies. The company operates on a not-for-profit basis and has operations in both the United States and Canada.

Contact Information

Website: https://www.mib.com/

Address: 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734

Phone Number: (866) 692-6901

Twitter: https://twitter.com/mib_group

Facebook: N/A

LinkedIn: https://www.linkedin.com/company/mib

Apps: N/A

What information is listed on your report

MIB collects insurance application information and compares it to the data it has on file for that consumer. Most often, the information analyzed concerns the individual’s medical records and health conditions. This helps insurance companies verify an individual’s information before approving a policy.

How you obtain your report

You can request your copy of your MIB report here.

Price of obtaining your report

Under the FCRA, consumers are allowed one free copy of their report every 12 months.

Businesses that use MIB for screening purposes will need to contact the organization directly for pricing.

History of security issues

MIB has not had a data breach to date.

Other services offered

With the consumer’s permission, MIB provides medical data to the insurance company that’s evaluating a policy application.

Milliman IntelliScript

Milliman IntelliScript was founded in 1947 and delivers medical and financial data to insurance companies. The company’s mission is to help employers, insurers and healthcare organizations give proper coverage to their clients. Milliman IntelliScript can report on a consumer’s medical data when they’re applying for a new insurance policy.

Contact Information

Website: https://www.rxhistories.com/

Address: P.O. Box 2223, Brookfield, WI 53008

Phone Number: (877) 211-4816

Twitter: https://twitter.com/millimaninsight

Facebook: https://www.facebook.com/MillimanFRM/

LinkedIn: https://www.linkedin.com/company/milliman-intelliscript/

Apps:

https://play.google.com/store/apps/details?id=com.Milliman.MobileBenefits.Prod

https://apps.apple.com/us/developer/milliman-inc/id510716413

What information is listed on your report

Milliman IntelliScript creates reports on an individual’s prescription drug purchases. When an authorized request comes from an insurance company seeking to understand what kind of medication a person takes, Milliman IntelliScript can provide those details.

How you obtain your report

You can reach out to Milliman IntelliScript directly to request your free annual report in accordance with the FCRA.

Price of obtaining your report

Consumers can get their individual report free every 12 months.

Companies that wish to work with Milliman IntelliScript for screening services need to reach out for a personal quote.

History of security issues

Milliman IntelliScript has not had a data breach to date.

Other services offered

Milliman IntelliScript offers health screening records for insurance companies, as well as:

• Retirement benefit programs
• Mortgage and credit risk assistance

Low-income reporting

Low-income reporting companies provide consumer data to organizations that specifically sell products or services to individuals with poor or thin credit or with impaired credit histories. This helps companies understand their risks when dealing with these customers.

Clarity Services

Clarity Services is empowered by Experian. Clarity Services offers “alternative credit data solutions.” Alternative credit data can give a more thorough overview of a consumer’s credit history as it pulls from sources that do not typically show up on a normal credit report, such as rent and utility payments.

Contact Information

Website: https://www.clarityservices.com/

Address: P.O. Box 5717, Clearwater, FL 33758

Phone Number: (866) 390-3118

Twitter: https://twitter.com/experianclarity

Facebook: N/A

LinkedIn: https://www.linkedin.com/company/experian-clarity/

Apps: N/A

What information is listed on your report

Clarity Services provides reports full of traditional and nontraditional credit history. This information can include rental payments, utility bill payments, phone payments and more.

How you obtain your report

Consumers can request a copy of their Clarity Services report here.

Price of obtaining your report

As a credit reporting agency, Clarity Services must provide consumers one free copy of their report every 12 months, at the consumer’s request.

History of security issues

Clarity Services is owned by Experian, which has had two data breaches.

Other services offered

Clarity Services promises it can help with:

• Prospecting solutions
• Credit evaluation solutions
• Fraud detection solutions
• Portfolio management solutions
• Collection solutions

CoreLogic Teletrack

CoreLogic Teletrack helps lenders and credit issuers expand their potential market reach. Many individuals with low-income reports can actually be trusted with credit and therefore have the potential to become a great customer. CoreLogic Teletrack helps companies identify these reduced-risk, low-income lenders and feel confident in their decision to work with them.

Contact Information

Website: https://www.corelogic.com/

Address: P.O. Box 509124, San Diego, CA 92150

Phone Number: (877) 309-5226

Twitter: https://twitter.com/CoreLogicInc

Facebook: https://www.facebook.com/CoreLogic

LinkedIn: https://www.linkedin.com/company/corelogic

Apps: N/A

What information is listed on your report

CoreLogic Teletrack collects consumer traditional and nontraditional credit history and reports it to subprime lenders such as high-risk lenders, subprime mortgage lenders, payday lenders, rent-to-own businesses, furniture financing stores, telecom companies and more. This information helps subprime lenders assess the risk of an applicant.

How you obtain your report

Consumers will have to call in or mail in a request for their report.

Price of obtaining your report

Consumers are entitled to a free copy of their report once every 12 months.

Businesses have to contact CoreLogic Teletrack directly to get pricing for screening services.

History of security issues

CoreLogic Teletrack has not had a data breach to date.

Other services offered

CoreLogic Teletrack offers services such as:

• Prescreening and prequalifying with alternative data
• Credit evaluation
• Fraud detection
• Account monitoring
• Collections and recovery assistance with DebtorTrace, BackHit, PeopleLocator and MergeHit

DataX

DataX, which is now owned by Equifax, collects consumer data to help businesses manage risks, reduce fraud and increase revenue potential. The DataX system has access to over 30 million consumer records.

Contact Information

Website: http://dataxltd.com/

Address: 7582 Las Vegas Blvd. S., Suite 693, Las Vegas, NV 89123

Phone Number: (800) 295-4790

Twitter: https://twitter.com/dataxltdcom

Facebook: https://www.facebook.com/dataxltd/

LinkedIn: https://www.linkedin.com/company/datax-ltd./

Apps: N/A

What information is listed on your report

DataX offers lenders a report on a consumer’s traditional and nontraditional credit history. This gives subprime lenders a better idea of risk when assessing credit-poor or credit-thin applicants.

How you obtain your report

Consumers can fill out this form if they’ve been denied an application due to DataX information. DataX will share a copy of the report for free when it’s also been shared with the company.

Consumers can fill out this form if they’ve been denied an application due to DataX information. DataX will share a copy of the report for free when it’s also been shared with the company.

Lenders can log in to their accounts to obtain reports they’ve commissioned.

Price of obtaining your report

A consumer can request a report for free if they’ve been denied a loan based on DataX information. Companies that want to use DataX screening services can reach out to the company for report pricing.

History of security issues

DataX is owned by Equifax, which had one security breach in 2017.

Other services offered

DataX helps customers with:

• Credit risk mitigation
• Fraud prevention

FactorTrust

FactorTrust is a TransUnion company. This organization provides companies with consumer reports to assess credit risk in applications. FactorTrust provides credit reports and fraud alerts to companies.

Consumers can choose to opt out of the FactorTrust database by filling out an application online.

Contact Information

Website: https://www.transunion.com/client-support/factortrust-consumer-inquiry

Address: P.O. Box 3653, Alpharetta, GA 30023

Phone Number: (844) 773-3321

Twitter: N/A

Facebook: https://www.facebook.com/FactorTrust/

LinkedIn: https://www.linkedin.com/company/factortrust

Apps: N/A

What information is listed on your report

FactorTrust collects loan data on nonprime consumers for nonprime auto lenders, installment lenders, short-term lenders and other subprime lenders. The information includes traditional and nontraditional credit history and payments.

How you obtain your report

Consumers can request a copy of their FactorTrust report here.

Business clients can log in to their online account to view consumer reports.

Price of obtaining your report

Consumers can have a free copy of their report every 12 months.

Businesses need to reach out to FactorTrust for consumer report pricing.

History of security issues

FactorTrust is owned by TransUnion, which has a history of one data breach.

Other services offered

FactorTrust also offers services such as:

• Debt recovery
• Data breach services
• Marketing
• Global fraud solutions

MicroBilt

MicroBilt describes itself as America’s premier alternative credit data solution. MicroBilt collects alternative data on consumers such as phone bills, rent and utility payments. This helps consumers add data to their profiles to have a more robust picture of their financial patterns.

Contact Information

Website: https://www.microbilt.com/

Address: P.O. Box 440693, Kennesaw, GA 30160

Phone Number: (888) 222-7621

Twitter: https://twitter.com/MicroBilt

Facebook: https://www.facebook.com/TeamMicroBiltPRBC/

LinkedIn: https://www.linkedin.com/company/microbilt-corporation/

Apps: N/A

What information is listed on your report

MicroBilt provides credit history (both traditional and nontraditional data) to subprime lenders.

How you obtain your report

Consumers can request a free copy of their report (every 12 months) here.

Businesses that pay for MicroBilt screenings can log in to their client portal to obtain reports.

Price of obtaining your report

Consumer reports are free once a year. Businesses have to contact MicroBilt for pricing on their services.

History of security issues

MicroBilt has not had a data breach to date.

Other services offered

MicroBilt helps with:

• Alternative credit risk scoring
• Alternative credit trade lines
• Banking inquiry information
• Retail bank transaction history
• Data on bank account closures
• Bankruptcy, lien, judgment and eviction records
• Asset verification
• SSN verification
• Address history

Supplementary reporting

Supplementary reporting companies provide additional information about consumers that helps to verify identities and reduce the risk of fraud and missed payments. This information is most often used by lenders, financial institutions, insurance companies and employers.

CoreLogic Credco

CoreLogic Credco is a nationwide provider of merged credit reports. The three major consumer reporting agencies often have variations in the data they collect, so CoreLogic Credco summarizes all the information in one place.

Contact Information

Website: https://www.corelogic.com/solutions/credit-solutions-mortgage.aspx

Address: P.O. Box 509124, San Diego, CA 92150

Phone Number: (877) 532-8778

Twitter: https://twitter.com/CoreLogicInc

Facebook: https://www.facebook.com/CoreLogic

LinkedIn: https://www.linkedin.com/company/corelogic

Apps: N/A

What information is listed on your report

Some of the information CoreLogic Credco collects for supplementary reporting includes:

• Property ownership records
• Home loan obligation records
• Property legal filings
• Tax payment status
• Rental applications
• Collection accounts
• Bankruptcy, liens and judgment records
• Child support obligations

How you obtain your report

Consumers will have to call or mail in a request for their report.

Price of obtaining your report

Consumers are entitled to a free copy of their report once every 12 months.

Businesses have to contact CoreLogic Teletrack directly to get pricing for screening services.

History of security issues

CoreLogic Teletrack has not had a data breach to date.

Other services offered

CoreLogic offers services such as:

• Prescreening and prequalifying with alternative data
• Credit evaluation
• Fraud detection
• Account monitoring
• Collections and recovery assistance with DebtorTrace, BackHit, PeopleLocator and MergeHit

Factual Data

Factual Data is a consumer protection agency that provides consumer data to reduce risk and fraud. The company helps to verify consumer identity for companies. Consumers can dispute their Factual Data report or request that their report be frozen.

Contact Information

Website: https://www.factualdata.com/

Address: 5100 Hahns Peak Dr., Loveland, CO 80538

Phone Number: (877) 237-8317

Twitter: N/A

Facebook: N/A

LinkedIn: https://www.linkedin.com/company/factual-data/

Apps: N/A

What information is listed on your report

Factual Data provides credit reports on individuals that include their personal and account information, such as account status and account payment history.

How you obtain your report

Clients can access copies of their reports through the online portal on the website. Consumers can contact the company for a copy of their report.

Price of obtaining your report

Businesses need to reach out to Factual Data directly to receive pricing based on their needs and volumes.

Consumers can get a free report every 12 months.

History of security issues

Factual Data has not had a data breach to date.

Other services offered

Factual Data also offers:

• Security freezes
• Fraud alerts

LexisNexis Risk Solutions

LexisNexis Risk Solutions provides supplementary reports that contain data from public records and various proprietary data sources.

Contact Information

Website: https://consumer.risk.lexisnexis.com/consumer

Address: P.O. Box 105108, Atlanta, GA 30348-5108

Phone Number: (888) 497-0011

Twitter: https://twitter.com/LexisNexisRisk

Facebook: https://www.facebook.com/LexisNexisRisk

LinkedIn: https://www.linkedin.com/company/lexisnexis-risk-solutions/

Apps: N/A

What information is listed on your report

Reports from LexisNexis Risk Solutions provide the following data:

• Professional licenses
• Real estate transaction and ownership
• Liens, judgments and bankruptcies
• Historical addresses

How you obtain your report

Consumers can access their free report every 12 months online, by mail or by phone.

Price of obtaining your report

Businesses that want to use LexisNexis for screening will need to reach out for a price quote based on their needs. Consumers can get a free report annually.

History of security issues

LexisNexis has had two security breaches, one in 2005 and one in 2013.

Other services offered

LexisNexis also provides these services:

• Active risk management
• Claims research
• Compliance screening
• Fraud detection
• Identity access management
• Location intelligence

SageStream

SageStream is a credit reporting agency that looks to provide information that will enhance traditional credit decisions and clarify creditworthiness. The company provides consumer reports and credit scores. It also allows consumers to file a dispute, start a security freeze or opt out of reporting.

Contact Information

Website: https://www.sagestreamllc.com/

Address: P.O. Box 503793, San Diego, CA 92150

Phone Number: (888) 395-0277

Twitter: N/A

Facebook: N/A

LinkedIn: N/A

Apps: N/A

What information is listed on your report

SageStream provides supplementary credit reports to lenders so they have more information about a consumer. This information may include utility payments, rent payments, phone payments and more.

How you obtain your report

Consumers can get their SageStream report here.

Businesses can reach out to SageStream directly for consumer reports and screening.

Price of obtaining your report

Consumers can access a copy of their report for free every 12 months.

Screening services for businesses are quoted on a case-by-case basis.

History of security issues

SageStream has not had a data breach to date.

Other services offered

SageStream allows consumers to:

• Start a security freeze
• Access their credit score
• File a dispute

National Consumer Telecom & Utilities Exchange

National Consumer Telecom & Utilities Exchange (NCTUE) is a credit reporting agency that collects data from utility and telecom companies to add to consumer credit reports. This allows consumers to have a more detailed credit report that includes payment history to more vendors. Consumers can choose to opt in so they can build up their credit reports with more data. Utility and telecom companies can submit their data to encourage their customers to make prompt and full payments.

Contact Information

Website: https://www.nctue.com/

Address: P.O. Box 105161, Atlanta, GA 30348

Phone Number: (866) 349-5185

Twitter: N/A

Facebook: N/A

LinkedIn: https://www.linkedin.com/company/nctue/

Apps: N/A

What information is listed on your report

The details of your NCTUE report can include your payment history and account history for utilities, telecommunications services and paid TV services.

How you obtain your report

Consumers can request a copy of their consumer report here.

If you’re an existing NCTUE client, you can log in to your account to review reports.

Price of obtaining your report

Consumers get one free report every 12 months.

History of security issues

NCTUE has not had a data breach to date.

Other services offered

NCTUE only focuses on credit reporting but allows consumers to conduct a security freeze or start a dispute.

The Retail Equation

The Retail Equation is a consumer reporting agency that works within the retail industry. This agency collects information on customers who have return transactions that violate store policies. The Retail Equation looks to help minimize return fraud across the United States, Canada and the UK.

Companies can report unfair or illegal return transactions to the agency. Conversely, consumers can request a copy of their report to see if they’ve been flagged for unjust or illegal return practices. The Retail Equation allows consumers to dispute charges in their file.

Contact Information

Website: https://www.theretailequation.com/

Address: P.O. Box 51373, Irvine, CA 92619-1373

Phone Number: (800) 652-2331

Twitter: https://twitter.com/retailequation

Facebook: N/A

LinkedIn: N/A

Apps: N/A

What information is listed on your report

The Retail Equation report will show if a consumer has been suspected of illegal, unfair or unjust returns.

How you obtain your report

Merchants can contact The Retail Equation for reports.

If you’re a consumer, you can contact The Retail Equation for a free copy of your report.

Price of obtaining your report

Reports are free, once a year, to consumers.

History of security issues

The Retail Equation has not had a data breach to date.

Other services offered

The Retail Equation only offers retail consumer reporting.

VIP Preferred

VIP Preferred provides data to gaming establishments, such as casinos, to help these organizations determine if they should extend credit to a customer. Currently, the agency partners with over 500 gaming institutions.

Members can enroll themselves so they get quick access to credit at gaming locations with hassle-free cash access. Alternatively, consumers can request that they be excluded from the database.

Contact Information

Website: https://www.vippreferred.com/

Address: P.O. Box 59371, Chicago, IL 60659

Phone Number: (800) 638-4600

Twitter: https://twitter.com/vip_preferred

Facebook: https://www.facebook.com/vippreferred

LinkedIn: https://www.linkedin.com/company/global-payments-gaming-solutions

Apps: N/A

What information is listed on your report

VIP Preferred supplies credit information on consumers so lenders can make quick choices about extending credit.

How you obtain your report

Consumers can get a report once every 12 months by contacting VIP Preferred directly.

Price of obtaining your report

Consumers can receive a free report once a year.

History of security issues

VIP Preferred has not had a data breach to date.

Other services offered

VIP Preferred doesn’t offer any other services.

How to get an accurate picture of your credit history

If you want to get a clear picture of your credit history, focus on the three national credit bureaus. Every 12 months, request and review your reports from all three bureaus. These bureaus may have different data on each report, so you want to make sure nothing is missing or out of date. Additionally, check your credit score regularly, and be aware of how the other credit reporting agencies listed here can play a role in your life.

You can also consider a credit monitoring service to get assistance staying up to date. These services automatically alert you of any unusual changes to your reports. This is exceptionally valuable as you don’t have to wait 12 months to find out about a problem and start addressing it. The faster you address a problem on your credit, the less impact it will have on your credit overall. To learn more about how you can monitor your credit activity, contact the credit consultants at Lexington Law.