Tyler Shields
Oct 19, 2022
Every Agency and Organization Collecting Your Consumer Data
Understanding the full landscape of consumer reporting agencies is essential for managing your credit, protecting your identity, and exercising your rights under the Fair Credit Reporting Act (FCRA). While most people are familiar with the three major credit bureaus—Equifax, Experian, and TransUnion—there are dozens of specialty consumer reporting agencies that track everything from banking behavior and insurance claims to rental history and utility payments.
This comprehensive guide provides a categorized list of every recognized consumer reporting bureau in the U.S., including credit bureaus, tenant screening services, employment background check providers, medical data agencies, and more. Each entry includes a brief description and official website so you can access your reports, dispute errors, and stay informed.
Major Credit Bureaus
Equifax
One of the three major credit bureaus, Equifax collects and reports credit data used by lenders, landlords, and employers.
Website: https://www.equifax.com
Experian
Provides consumer credit reports, credit scores, and credit monitoring services for individuals and businesses.
Website: https://www.experian.com
TransUnion
Delivers credit reports, scores, and identity protection services while maintaining vast consumer credit data.
Website: https://www.transunion.com
Banking & Check Writing Agencies
ChexSystemsTracks negative banking activity like overdrafts, unpaid fees, and account closures to assess deposit account risk.
Website: https://www.chexsystems.com
Early Warning Services (EWS)
Shares account-related data among banks to identify check fraud and risky deposit behavior. Website: https://www.earlywarning.com
TeleCheck Services
Verifies the validity of personal checks and evaluates check-writing risk for retailers and banks. Website: https://getassistance.telecheck.com
Certegy Check Services
Collects check writing histories and provides check screening services primarily for retailers and gaming establishments.
Website: https://www.askcertegy.com
CrossCheck
Provides check approval, guarantee, and conversion services to businesses accepting checks.
Website: https://www.cross-check.com
CheckCare
Offers check verification and recovery services to help businesses reduce losses from returned checks.
Website: https://www.checkcare.com
EZCheck
Provides electronic check processing and verification services for merchants and businesses.
Website: https://www.ezchk.com
First American Payment Systems
Offers payment processing solutions, including check services, to businesses.
Website: https://www.first-american.net
Global eTelecom (GETI)
Provides electronic check and ACH processing services for merchants.
Website: https://www.globaletelecom.com
Global Payments Check Services, Inc.
Offers check verification and guarantee services to help businesses manage check acceptance risk.
Website: https://www.globalpaymentsinc.com
Employment Screening Agencies
These agencies are recognized as consumer reporting agencies under the FCRA and are subject to its regulations. Employers using these services must comply with FCRA requirements, including obtaining applicant consent and providing disclosures.
Accurate Background
Performs employment screening including criminal background checks, education, and job history verifications.
Website: https://www.accurate.com
HireRight
Offers pre-employment background checks, drug testing, and identity verification for hiring decisions.
Website: https://www.hireright.com
First Advantage
Provides comprehensive background screening services, including criminal checks, employment verification, and drug testing.
Website: https://fadv.com
backgroundchecks.com
Delivers background screening services and employment verification; operates as a subsidiary of HireRight.
Website: https://www.backgroundchecks.com
The Work Number (Equifax Workforce Solutions)
Offers automated employment and income verification services for employers and verifiers.
Website: https://www.theworknumber.com
Sterling
Provides background and identity services, including criminal record checks, education and employment verifications, and drug testing.
Website: https://www.sterlingcheck.com
InfoMart
Specializes in pre-employment screening, including criminal background checks, identity verification, and drug testing.
Website: https://www.infomart-usa.com
Asurint
Offers background screening solutions with a focus on criminal records, employment verification, and compliance services.
Website: https://www.asurint.com
S2Verify
Provides background screening services, including criminal history checks, employment verification, and drug testing.
Website: https://www.s2verify.com
Universal Background Screening
Delivers comprehensive background checks, including criminal records, employment and education verification, and drug testing.
Website: https://www.universalbackground.com
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Tenant Screening Agencies
Advanced Background Services
Provides comprehensive tenant background checks, including credit history, criminal records, and eviction reports.
Website: https://www.advancedbackgroundservices.com
AmRent
Specializes in tenant screening services, offering credit reports, criminal background checks, and rental history verification.
Website: https://www.amrent.com
AmerUSA
Offers tenant screening solutions, including credit checks, criminal background searches, and eviction history.
Website: https://www.amerusa.comThe Adkins Firm
AppFolio
Provides property management software with integrated tenant screening features, including credit and background checks.
Website: https://www.appfolio.com
Contemporary Information Corp (CIC)
Delivers tenant screening services, including credit reports, criminal background checks, and eviction history.
Website: https://www.cicreports.com
CoreLogic Rental Property Solutions
Offers tenant screening services, including credit history, criminal background checks, and eviction records.
Website: https://www.corelogic.com
Experian RentBureau
Maintains a database of rental payment history, assisting landlords in evaluating tenant reliability.
Website: https://www.experian.com/rentbureau
First Advantage Corporation Resident Solutions
Provides tenant screening services, including credit checks, criminal background searches, and rental history verification.
Website: https://fadv.com
LeasingDesk by RealPage, Inc.
Offers tenant screening solutions, including credit reports, criminal background checks, and eviction history.
Website: https://www.realpage.com/leasingdesk
MyScreeningReport.com
Provides tenant screening services, allowing applicants to initiate their own background checks for landlord review.
Website: https://www.myscreeningreport.com
National Tenant Network (NTN)
Offers tenant screening services, including credit reports, criminal background checks, and eviction history.
Website: https://www.ntnonline.com
On-Site by RealPage, Inc.
Provides online leasing solutions with integrated tenant screening services, including credit and background checks.
Website: https://www.realpage.com/on-site
Real ID, Inc.
Specializes in identity verification and tenant screening services, including credit and criminal background checks.
Website: https://www.realidinc.com
RentGrow by Yardi
Offers tenant screening services, including credit reports, criminal background checks, and rental history verification.
Website: https://www.rentgrow.com
SafeRent Solutions, LLC
Provides tenant screening services, including credit history, criminal background checks, and eviction records.
Website: https://www.saferentsolutions.com
Screening Reports, Inc.
Offers tenant screening services, including credit reports, criminal background checks, and rental history verification.
Website: https://www.screeningreports.com
StarPoint Screening
Provides tenant screening services, including credit checks, criminal background searches, and eviction history.
Website: https://www.starpointscreening.com
Tenant Data Services
Offers tenant screening solutions, including credit reports, criminal background checks, and rental history verification.
Website: https://www.tenantdata.com
These agencies compile and provide tenant screening reports that landlords and property managers use to assess rental applicants. Under the FCRA, consumers have the right to access their reports and dispute any inaccuracies.
Insurance Reporting Agencies
LexisNexis Risk Solutions
Provides data and analytics for insurance underwriting and claims, including driving records, claims history, and other risk-related information.
Website: https://risk.lexisnexis.com
MIB Group
Maintains a database of medical information used by life and health insurers to assess risk and detect fraud.
Website: https://www.mib.com
Milliman IntelliScript
Offers prescription history data to insurers to assist in underwriting decisions for life, health, and disability insurance.
Website: https://www.rxhistories.com
Insurance Information Exchange (iiX)
Provides motor vehicle records and other driving-related data to insurers for underwriting and rating purposes.
Website: https://www.verisk.com/insurance/brands/iix/Scribd
ISO ClaimSearch (Verisk)
Offers a comprehensive database of insurance claims to help insurers detect fraud and make informed underwriting decisions.
Website: https://www.verisk.com/insurance/brands/iso-claimsearch/
Utilities & Alternative Credit Agencies
National Consumer Telecom & Utilities Exchange (NCTUE)
Collects and shares account and payment history for telecom, utility, and pay TV services to help providers evaluate credit risk.
Website: https://www.nctue.com
Clarity Services (A part of Experian)
Specializes in alternative financial data, including subprime credit activity, payday loans, and short-term lending histories.
Website: https://www.clarityservices.com
PRBC (Payment Reporting Builds Credit)
Allows consumers to self-report rent, utility, and recurring bill payments to help build a nontraditional credit history.
Website: https://www.prbc.com
CoreLogic Teletrack
Collects alternative financial service data, including utility, telecom, and payday lending history for credit risk modeling.
Website: https://www.corelogic.com
FactorTrust (Acquired by TransUnion)
Gathers alternative credit data on subprime borrowers, such as rent, installment loans, and utility payment history.
Website: https://www.transunion.com/factortrust
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