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Consumer Credit Reporting Agencies

Authored By: Legal Aid Services of Oklahoma, Inc. LSC Funded
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Information

Below is a list of consumer reporting companies – companies that collect information and provide reports on consumers that are used to decide whether to provide consumers credit, insurance, or employment, and for other purposes. There are a lot of "specialty reporting companies" that focus on certain industries.

This list doesn’t cover every company in the industry. It’s a list of companies that have identified themselves as consumer reporting companies or provide consumers access to their consumer reports. The list includes both the biggest nationwide credit reporting companies and a longer list of “specialty reporting companies.”


The list includes information about how you can obtain copies of your reports. In addition to the information below about when you can get a free copy of your report, under federal law all consumer reporting companies must provide you with a copy of your report for a reasonable fee (the current maximum is $11.50).


This information comes from the Consumer Finance Protection Bureau (www.consumerfinance.gov)
This list includes entities that have identified themselves as consumer reporting companies or particular types of consumer reporting companies or have indicated when they provide consumers access to their consumer reports. The list incorporates information from the companies’ own self-descriptions that has not been independently verified by the Bureau. It was not intended by the Bureau to be an all-inclusive list, nor does it reflect any determinations by the Bureau as to whether any particular entity is or is not subject to the Fair Credit Reporting Act or any part thereof or complying with it. Furthermore, presence on or absence from the list does not indicate whether the consumer reporting company is subject to the CFPB’s supervisory authority.

To see a particular specialty, click on the name or scroll down the page                                [top]                        

National Credit Reporting Companies
Check Screening/Check History
Payday Lending
Auto and Property Insurance History Reports
Supplementary/Alternative Credit Reports
Utilities
Rental
Medical
Employment History Reports


NATIONAL CREDIT REPORTING COMPANIES

Equifax
Equifax is one of the largest nationwide providers of credit reports. Its reports contain:

  • Information about your payment history (submitted by credit card companies, mortgage lenders, auto financers and other creditors nationwide).
  • How much credit you have.
  • How much credit you use.
  • Information from debt collectors.
  • Public information, like bankruptcies, liens and judgments.
  • The company will provide one free credit report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.AnnualCreditReport.com

Mailing address:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

877-322-8228

 

Experian
Experian is one of the largest nationwide providers of credit reports. Its reports contain:

  • Information about your payment history (submitted by credit card companies, mortgage lenders, auto financers and other creditors nationwide).
  • How much credit you have.
  • How much credit you use.
  • Information from debt collectors.
  • Public information, like bankruptcies, liens and judgments.
  • The company will provide one free credit report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.AnnualCreditReport.com

Mailing Address
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

877-322-8228

TransUnion
TransUnion is one of the largest nationwide providers of credit reports. Its reports contain:

  • Information about your payment history (submitted by credit card companies, mortgage lenders, auto financers and other creditors nationwide)
  • How much credit you have.
  • How much credit you use.
  • Information from debt collectors.
  • Public information, like bankruptcies, liens and judgments.
  • The company will provide one free credit report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances

Website:  http://www.AnnualCreditReport.com


Mailing Address
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

877-322-8228


CHECK SCREENING/CHECK HISTORY
 

Certegy Check Services
Collects check writing histories and provides check screening services for retailers who accept checks as payment in their stores.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.AskCertegy.com

Mailing Address
Certegy Check Services Inc.
P.O. Box 30296
Tampa, FL 33630-3296

866-543-6315

 

Chex Systems
Collects checking account applications, openings, and closures, including reasons for account closure. When you apply for a new checking account many banks and credit unions will refer to this database before they approve the new account.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.ConsumerDebit.com

Mailing Address
Chex Systems Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MA 55125

800-428-9623

 

Early Warning Services
Checking account information.
Negative information for financial institution employees.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.EarlyWarning.com

Mailing Address
Early Warning Services
16552 North 90th Street, Suite 100
Scottsdale, AZ 85260

800-325-7775

 

Telecheck
Provides information on check fraud and conducts check verifications for retailers who accept checks as payment in their stores.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.FirstData.com/telecheck

Mailing Address
Telecheck
Attention: Consumer Resolutions-FA
P.O Box 4514
Houston, TX 77210-4514

800-366-2425

 

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PAYDAY LENDING


Clarity Services
Provides information on payday loans, financial services, check cashing services, and auto loans.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.ClarityServices.com

 

Mailing Address
Clarity Services
P.O. Box 5717
Clearwater, FL 33758

 

DataX
Provides information on credit histories of subprime consumers.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.consumers.dataxltd.com

Mailing Address
Data X Ltd.
Attn: Customer Service
325 E. Warm Springs Road, Suite 202
Las Vegas, NV 89119

 

Factor Trust
Provides lending data and bankruptcy information to payday lenders and other users.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.FactorTrust.com

Mailing Address
Factor Trust
P.O. Box 3653
Alpharetta, GA 30023

866-910-8497

 

Microbilt
Tracks information about payday loans.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.Microbilt.com

Mailing Address
Microbilt
Attn: Compliance Department
P.O. Box 440693
Kennesaw, GA 30160

877-772-2123  (Option 1)

 

Teletrack
Teletrack information sources include payday advance businesses, rent-to-own businesses, furniture stores that offer financing, auto finance companies, high-risk consumer finance businesses, non-prime mortgage businesses, non-prime credit card issuers, credit unions, and cable/telecom companies.
These types of lenders will often refer to this database to when considering whether to extend new credit.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.Teletrack.com

Mailing Address
Teletrack
Attn: Customer Service
5550-A Peachtree Parkway, Suite 600 Norcross, GA 30092

877-309-5226

 

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AUTO AND PROPERTY INSURANCE HISTORY REPORTS

 

Insurance Information Exchange
Provides motor vehicle records, including traffic violations, upon request with a permissible purpose.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.IIX.com

Mailing Address
iiX
1716 Briarcrest Drive, Suite 200
Bryan, TX 77802

866-560-7015

 

Insurance Services Office (ISO) (A Plus Property Reports)
Collects insurance claims and loss information associated with homes or commercial buildings.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.ISO.com

Mailing Address
A-PLUS Consumer Inquiry Center (ISO)
545 Washington Boulevard, 22nd Floor
Jersey City, NJ 07310-1686

800-709-8842

 

L.N. (Clue Personal Property Report)
Collects information on insurance coverage and losses associated with individuals and their personal property.

  • The company will provide get one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.PersonalReports.lexisnexis.com

Mailing Address
C.L.U.E. Inc. Consumer Center
P.O. Box 105295
Atlanta, GA 30348-5295

866-312-8076

 

L.N. (Clue Auto Report)
The C.L.U.E. Auto report provides information about individuals’ automobile insurance coverage and losses.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.PersonalReports.lexisnexis.com

Mailing Address
C.L.U.E. Inc. Consumer Center
P.O. Box 105295
Atlanta, GA 30348-5295

866-312-8076

 

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SUPPLEMENTARY/ALTERNATIVE CREDIT REPORTS


CoreScore Credit Report
Collects property tax filings, rental applications and evictions, property ownership and mortgage obligation records, pay day loan and online lending information; bankruptcy, lien, child support obligations.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.Credco.com

Mailing Address
CoreLogic Credco LLC, Consumer Relations Dept.
P.O. Box 509124
San Diego, CA 92150

877-532-8778

 

ID Analytics
Provides reports on identity information (name, address, phone, etc.) used in credit activity.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.IDAnalytics.com

Mailing Address
IDA Inc.,
Attn: Information Request Services
P.O. Box 503793
San Diego, CA 92150-2833

 

Innovis
Provides supplementary credit reports to lenders.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.Innovis.com

Mailing Address
Innovis
Attn: Consumer Assistance
P.O. Box 1689
Pittsburgh, PA 15230-1689

800-540-2505

 

L2C
Provides credit reports comprised of data from a variety of purchased and publicly available sources.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website: http://www.L2CInc.com

Mailing Address
L2C, Inc.
P.O. Box 550089
Atlanta, GA 30355
Phone
866-268-7156

 

Pay Rent Build Credit (PRBC)/Microbilt
Provides credit information, bill payment information, employment information, bank account data, property records, court judgments, address and phone information for use in credit decisions.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.Microbilt.com

Mailling Address
Pay Rent Build Credit (PRBC)/Microbilt
Attn: Compliance Department
P.O. Box 440693
Kennesaw, GA 30160

877-772-2123 (Option 1)

 

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UTILITIES


National Consumer Telecom and Utilities Exchange
Collects information on new connect requests, account and payment histories, defaults, and fraudulent accounts associated with telecommunications, pay TV, and utility (electric, gas, water) services.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.NCTUE.com

Mailing Address
Exchange Service Center Disclosure
P.O. Box 105161
Atlanta, GA 30348

866-343-2821

 

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RENTAL

 

Contemporary Information Corp.
Conducts background screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.CICreports.com

Mailing Address
Contemporary Information Corp.
42913 Capital Drive, Unit 101
Lancaster, CA 93535

800-288-4757 (Option 5)

 

CoreLogic SafeRent
Collects information for tenant and employment screening, including landlord-tenant actions and court judgments.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://wwwresidentscreening.com

Mailing Address
CoreLogic SafeRent, LLC
Consumer Relations Dept.
7300 Westmore Rd., Suite 3
Rockville, MD 20850-5223

888-333-2413

 

Leasing Desk (Real Page)
Provides data for tenant screening.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.RealPage.com

Mailing Address
Leasing Desk Consumer Relations
4000 International Parkway
Carrollton, TX 75007

866-934-1124

 

LexisNexis Screening Solutions Inc. Resident History Report
Collects tenant history information.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.PersonalReports.LexisNexis.com

Mailing Address
LexisNexis Screening Solutions
Consumer Center
P.O. Box 105292
Atlanta, GA 30348-05108

866-312-8075

 


Tenant Data Services
Rental performance history (damages, unauthorized pets, lease violations, skips, etc.)
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.TenantData.com

Mailing Address
Personal Report Request
Tenant Data Services, Inc.
P.O. Box 5404
Lincoln, NE 68505-0404

800-228-1837 (Option 6)

 

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MEDICAL

 

Medical Information Bureau
Collects information about medical conditions and data from insurance applications.
The company will provide one free credit report every 12 months.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.MIB.com

Mailing Address
MIB Inc.
50 Brainhill Tree Park, Suite 400
Braintree, MA 02184-8734

866-692-6901

 

Milliman IntelliScript
Collects information on prescription drug purchase histories. You may have a prescription report about you if you authorized the release of your medical records to an insurance company and that company submitted a request to Milliman.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.RxHistories.com


Mailing Address
Milliman IntelliScript
15800 Bluemound Road, Suite 100
Brookfield, WI 53005

877-211-4816

 

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EMPLOYMENT HISTORY REPORTS
Note that many employment reporting companies won’t have information on you unless you authorized your employer or a potential new employer to obtain a report.

 

Accurate Background
Conducts background screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http:.//www.AccurateBackground.com

Mailing Address
Accurate Background, Inc.
6 Orchard, Suite 200
Lake Forest, CA 92630

800-784-3911


American DataBank
Conducts background screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.Americandatabank.com

Mailing Address
American DataBank
110 Sixteenth Street, 8th Floor
Denver, CO 80202

800-200-0853

 

EmployeeScreenIQ
Provides pre-employment screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.EmployeeScreen.com

Mailing Address
EmployeeScreenIQ
P.O. Box 22627
Cleveland, OH 44122

800-235-3954  (Option 5)

 

First Advantage
Conducts background screening services.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.FADV.com

Mailing Address
First Advantage Consumer Relations
P.O. Box 3367
Seminole, FL 33775
Phone
800-321-4473

 

GIS
Conducts background screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.GenInfo.com

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

800-265-4917

 

HireRight
Conducts employment background screening services.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.HireRight.com

Mailing Address
HireRight
P.O. Box 33181
Tulsa, OK 74153

800- 381-0645

 

Infocubic
Provides pre-employment screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www/Infocubic.com

Mailing Address
Infocubic
9250 E. Costilla Ave., Suite 525
Greenwood Village, CO 80112

877-360-4636

 

Intellicorp
Provides employment histories and criminal histories.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.Intellicorp.net

Mailing Address
Intellicorp Records Inc.
3000 Auburn Drive, Suite 410
Beachwood, OH 44122

866-202-1436

 

Lexis Nexis Screening Solutions. Inc.
Provides employment history reports.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  jhttp://www.PersonalReports.LexisNexis.com

Mailing Address
LexisNexis Screening Solutions Consumer Center P.O. Box 105292
Atlanta, GA 30348-05108

866-312-8075

 

Pre-employ.com
Provides employment background, investigative, consumer reports.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.Pre-employ.com

Mailing Address
Attn: Compliance Department
P.O. Box 491570
Redding, CA 96049-1570

800-300-1821, extension 199

 

Trak 1 Technology
Conducts background screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Website:  http://www.Trak-1.com

Mailing Address
Trak-1 Technology
Consumer Report Request
7131 Riverside Parkway
Tulsa, Oklahoma 74136
Trak-1 Technology
Consumer Disputes
7131 Riverside Parkway
Tulsa, Oklahoma 74136

918-779-7000

 

Verifications Inc.
Conducts background screening services.

  • The company will provide one free report every 12 months.
  • The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.VerificationsInc.com
Address
Annual Credit Report
P.O. Box 105281
Atlanta, GA 30348-5281

877-884-1313

 

The Work Number
Provides employment and income verification. Includes data collected from large private sector payroll processors.

  • The company will provide one free report every 12 months.
  • The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website:  http://www.TheWorkNumber.com


Mailing Address
Annual Credit Report
P.O. Box 105281
Atlanta, GA 30348-5281

866-604-6570

 

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Last Review and Update: Feb 07, 2019
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