Most consumers are aware of the three major credit reporting agencies. But Experian, Equifax and Transunion are not the only consumer reporting agencies collecting information about you.
There are roughly 400 specialty consumer reporting agencies, 40 of which may directly impact your financial viability. These specialty consumer reporting agencies collect, maintain and report information to creditors, employers, insurance companies, banks, landlords, utility companies, cell phone companies and more.
You might not know these reports exist unless you run into a problem, such as not getting a job, lease, insurance, or checking account, or when a utility company asks you to put down a deposit before starting service with you.
Specialty consumer reporting agencies collect about you when it comes to:
- Opening or using bank accounts (including writing or bouncing checks or overdrafts)
- Apartment rental payments
- Car insurance claims
- Homeowners and renters insurance claims
- Payday lending
- Utility payments
- Phone bill payments
- Employment
- Medical records or payments
You have the right to know what nationwide specialty consumer reporting companies are saying about you and the Consumer Financial Protection Bureau (CFPB) has made it easier to gain access. Until recently it was very difficult to gain access to reports maintained by specialty consumers agencies. Even more disturbing was the fact that it was virtually impossible to verify the accuracy of information reported. There was no consumer dispute process to correct mistakes or inaccurate information.
A new rule from the federal consumer watchdog agency (CFPB) recently changed how these non-traditional credit reports are regulated. It says specialty consumer reporting agencies are to provide, upon request of a consumer, a free annual disclosure of the consumer’s file, commonly known as a consumer report. These specialty reporting agencies must provide a “streamlined process” for consumers to obtain reports and a toll-free telephone number for consumer requests.
While consumers can conveniently get a free copy of their credit reports from the 3 major credit reporting agencies once every 12 months at www.annualcreditreport.com, the information compiled by other consumer reporting agencies is going to take a little more work.
You will have to order the specialty consumer reports individually from each reporting company. Not all companies are required to provide a free copy of your annual report, although under federal law all consumer reporting companies must provide you with a copy of your report for a reasonable fee.
Partial List of Specialty Consumer Agencies
Here is a list of some of the more commonly used specialty consumer reporting agencies. This list is not all-inclusive and is intended for information purposes only. For a more complete list visit the CFPB here.
[ezcol_1third]Company[/ezcol_1third] [ezcol_2third_end]Address[/ezcol_2third_end] [ezcol_1third]ChexSystems(Banking)
ConsumerDebit.com
800-428-9623
[/ezcol_1third] [ezcol_2third_end]ChexSystems Inc.
Attn: Consumer Relations
7805 Hudson Road,
Suite 100
Woodbury, MA 55125[/ezcol_2third_end]
[ezcol_1third]Certegy Check Services
(Banking)
AskCertegy.com
866-543-6315
[/ezcol_1third] [ezcol_2third_end]Certegy Check Services Inc.
P.O. Box 30296
Tampa, FL 33630-3296[/ezcol_2third_end]
[ezcol_1third]Telecheck
(Banking)
FirstData.com/telecheck
800-366-2425
[/ezcol_1third] [ezcol_2third_end]Telecheck
Attention: Consumer Resolutions-FA
P.O Box 4514
Houston, TX 77210-4514[/ezcol_2third_end]
[ezcol_1third]Early Warning Services
(Banking)
EarlyWarning.com
800-325-7775
[/ezcol_1third] [ezcol_2third_end]Early Warning Services
16552 North 90th Street,
Suite 100
Scottsdale, AZ 85260[/ezcol_2third_end]
[ezcol_1third]Factor Trust
(Payday Lending Information)
FactorTrust.com
866-910-8497
[/ezcol_1third] [ezcol_2third_end]Factor Trust
P.O. Box 3653
Alpharetta, GA 30023[/ezcol_2third_end]
[ezcol_1third]Clarity Services
(Payday Lending Information)
ClarityServices.com
[/ezcol_1third] [ezcol_2third_end]Clarity Services
P.O. Box 5717
Clearwater, FL 33758[/ezcol_2third_end]
[ezcol_1third]CL Verify Microbilt
(Payday Lending Information)
Microbilt.com
877-772-2123
[/ezcol_1third] [ezcol_2third_end]CL Verify Microbilt
Attn: Compliance Department
P.O. Box 440693
Kennesaw, GA 30160[/ezcol_2third_end]
[ezcol_1third]CoreLogic Teletrack
Teletrack.com
877-309-5226
[/ezcol_1third] [ezcol_2third_end]CoreLogic Teletrack
Attn: Customer Service
5550-A Peachtree Parkway,
Suite 600
Norcross, GA 30092[/ezcol_2third_end]
[ezcol_1third]DataX
(Subprime Borrowers)
Consumers.dataxltd.com
[/ezcol_1third] [ezcol_2third_end]Data X Ltd.
Attn: Customer Service
325 E. Warm Springs Road,
Suite 202
Las Vegas, NV 89119[/ezcol_2third_end]
[ezcol_1third]Insurance Services Office (ISO)
(Home & Commercial Insurance Claims)
ISO.com
800-709-8842
[/ezcol_1third] [ezcol_2third_end]A-PLUS Consumer Inquiry Center
(ISO)
545 Washington Boulevard,
22nd Floor
Jersey City, NJ 07310-1686[/ezcol_2third_end]
[ezcol_1third]Insurance Information Exchange
(Traffic Violations & Accidents)
IIX.com
866-560-7015
[/ezcol_1third] [ezcol_2third_end]Motor Vehicle Report
1716 Briarcrest Drive,
Suite 200
Bryam, TX 77802[/ezcol_2third_end]
[ezcol_1third]CoreScore Credit Report
(Alternative Credit Information)
Credco.com
877-532-8778
[/ezcol_1third] [ezcol_2third_end]CoreLogic Credco LLC, Consumer
Relations Dept.
P.O. Box 509124
San Diego, CA 92150[/ezcol_2third_end]
[ezcol_1third]L2C
(Alternative Credit Information)
L2CInc.com
866-268-7156
[/ezcol_1third] [ezcol_2third_end]L2C, Inc.
P.O. Box 550089
Atlanta, GA 30355[/ezcol_2third_end]
[ezcol_1third]ID Analytics
(Identification Services)
IDAnalytics.com
[/ezcol_1third] [ezcol_2third_end]IDA Inc.,
Attn: Information Request Services
P.O. Box 503793
San Diego, CA 92150-2833[/ezcol_2third_end]
[ezcol_1third]Innovis
(Identification Services)
Innovis.com
800-540-2505
[/ezcol_1third] [ezcol_2third_end]Innovis
Attn: Consumer Assistance
P.O. Box 1689
Pittsburgh, PA 15230-1689[/ezcol_2third_end]
[ezcol_1third]National Consumer Telecom and Utilities Exchange
(Utilities Information)
NCTUE.com
866-343-2821
[/ezcol_1third] [ezcol_2third_end]Exchange Service Center Disclosure
P.O. Box 105161
Atlanta, GA 30348[/ezcol_2third_end]
[ezcol_1third]CoreLogic SafeRent
(Rental)
residentscreening.com
888-333-2413
[/ezcol_1third] [ezcol_2third_end]CoreLogic SafeRent, LLC
Consumer Relations Dept.
7300 Westmore Rd.,
Suite 3
Rockville, MD 20850-5223[/ezcol_2third_end]
[ezcol_1third]LexisNexis Screening Solutions Inc. Resident History Report
(Rental)
PersonalReports.LexisNexis.com
866-312-8076
[/ezcol_1third] [ezcol_2third_end]Resident Data Inc., Consumer
Disclosure Center
P.O. Box 850126
Richardson, TX 75085-0126[/ezcol_2third_end]
[ezcol_1third]Tenant Data Services
(Rental)
TenantData.com
800-228-1837
[/ezcol_1third] [ezcol_2third_end]Personal Report Request
Tenant Data Services, Inc.
P.O. Box 5404
Lincoln, NE 68505-0404[/ezcol_2third_end]
[ezcol_1third]Medical Information Bureau
(Medical)
MIB.com
866-692-6901
[/ezcol_1third] [ezcol_2third_end]MIB Inc.
50 Brainhill Tree Park,
Suite 400
Braintree, MA 02184-8734[/ezcol_2third_end]
[ezcol_1third]Milliman IntelliScript
(Drug Prescriptions)
RxHistories.com
877-211-4816
[/ezcol_1third] [ezcol_2third_end]Milliman IntelliScript
15800 Bluemound Road,
Suite 100
Brookfield, WI 53005[/ezcol_2third_end]
[ezcol_1third]Accurate Background
(Employment Screening)
AccurateBackground.com
800-784-3911
[/ezcol_1third] [ezcol_2third_end]Accurate Background, Inc.
6 Orchard, Suite 200,
Lake Forest, CA 92630[/ezcol_2third_end]
[ezcol_1third]The Retail Equation
(Monitors Returns.)
TheRetailEquation.com
800-652-2331
[/ezcol_1third] [ezcol_2third_end]The Retail Equation
P.O. Box 51373
Irvine, CA 92619-1373[/ezcol_2third_end]
[ezcol_1third]Contemporary Information Corp.
(Background Screening)
ContInfo.com
800-288-4757
[/ezcol_1third] [ezcol_2third_end]Contemporary Information Corp.
42913 Capital Drive, Unit 101
Lancaster, CA 93535[/ezcol_2third_end]
[ezcol_1third]HireRight
(Employment Screening)
HireRight.com
800-381-0645
[/ezcol_1third] [ezcol_2third_end]HireRight
P.O. Box 33181
Tulsa, OK 74153[/ezcol_2third_end]
[ezcol_1third]EmployeeScreenIQ
(Pre-Employment Screening)
EmployeeScreen.com
800-235-3954
[/ezcol_1third] [ezcol_2third_end]EmployeeScreenIQ
P.O. Box 22627
Cleveland, OH 44122[/ezcol_2third_end]
[ezcol_1third]The Work Number
(Work and Income Verification)
TheWorkNumber.com
866-604-6570
[/ezcol_1third] [ezcol_2third_end]Annual Credit Report
P.O. Box 105281
Atlanta, GA 30348-5281[/ezcol_2third_end]
[ezcol_1third]The Work Number
(Work and Income Verification)
TheWorkNumber.com
866-604-6570
[/ezcol_1third] [ezcol_2third_end]Annual Credit Report
P.O. Box 105281
Atlanta, GA 30348-5281[/ezcol_2third_end]
