Credit Report Problems

Credit Report Problems

Credit Reporting Agencies 

As provided by the Consumer Finance Protection Bureau, below is a non-exhaustive list of consumer reporting agencies and the types of consumer reports they provide:

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.

Website: AnnualCreditReport.com

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

Phone: 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.

Website: AnnualCreditReport.com

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

Phone: 877-322-8228

TransUnion

Trans Union 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.

Website: AnnualCreditReport.com

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

Phone: 877-322-8228

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.
Website: ConsumerDebit.com

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

Phone: 800-428-9623

Certegy Check Services:

Collects check writing histories and provides check screening services for retailers who
accept checks as payment in their stores.
Website: AskCertegy.com

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

Phone: 866-543-6315

Telecheck

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

Website: FirstData.com/telecheck

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

Phone: 800-366-2425

Factor Trust

Provides lending data and bankruptcy information to payday lenders and other users.

Website:  FactorTrust.com

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

Phone:  866-910-8497

Clarity Services

Provides information on payday loans, financial services, check cashing services, and auto
loans.

Website:  ClarityServices.com

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

CL Verify Microbilt

Tracks information about payday loans

Website:  Microbilt.com

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

Phone:  877-772-2123

CoreLogic 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.

Website: Teletrack.com

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

Phone: 877-309-5226

DataX:

Provides information on credit histories of subprime consumers.

Website: consumers.dataxltd.com

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

Insurance Services Office (ISO) (A Plus Property Reports)

Collects insurance claims and loss information associated with homes or commercial
buildings.

Website:  ISO.com

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

Phone:  800-709-8842

Insurance Information Exchange

Collects motor vehicle records, including traffic violations and accident reports.

Website: IIX.com

Address:
Motor Vehicle Report
1716 Briarcrest Drive, Suite 200
Bryam, TX 77802

Phone:  866-560-7015

L.N. (Clue Personal Property Report)

Collects information on insurance coverage and losses associated with individuals and their
personal property.

L.N. (Clue Auto Report)

The C.L.U.E. Auto report provides information about individuals' automobile insurance
coverage and losses.
Website:PersonalReports.lexisnexis.com

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

Phone:  866-312-8076

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.

Website: Credco.com

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

Phone: 877-532-8778

L2C

Provides credit reports comprised of data from a variety of purchased and publicly available
sources.

Website: L2CInc.com

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.

Website: Microbilt.com

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

Phone:  877-772-2123

ID Analytics:

Provides reports on identity information (name, address, phone, etc.) used in credit activity.

Website: IDAnalytics.com

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

Innovis

Provides supplementary credit reports to lenders.

Website: Innovis.com

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

Phone: 800-540-2505

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.

Website: NCTUE.com

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

Phone: 866-343-2821

CoreLogic SafeRent

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

Website: residentscreening.com

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

Phone: 888-333-2413

LexisNexis Screening Solutions Inc. Resident History Report

Collects tenant history information

Website:  PersonalReports.LexisNexis.com

Address
Resident Data Inc., Consumer
Disclosure Center
P.O. Box 850126
Richardson, TX 75085-0126

Phone: 866-312-8076

Leasing Desk (Real Page)

Provides data for tenant screening.

Website:  RealPage.com
Address:  Leasing Desk Consumer Relations
4000 International Parkway
Carrollton, TX 75007

Phone: 866-934-1124

Tenant Data Services

Rental performance history (damages, unauthorized pets, lease violations, skips, etc.)

Website: TenantData.com

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

Phone: 800-228-1837

Medical Information Bureau

Collects information about medical conditions and data from insurance applications.

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

Phone: 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.

Website: RxHistories.com

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

Phone:  877-211-4816

Accurate Background

Conducts background screening services

Website: AccurateBackground.com

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

Phone: 800-784-3911

Contemporary Information Corp.

Conducts background screening services.

Website: ContInfo.com

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

Phone: 800-288-4757

Early Warning Services

Checking account information; Negative information for financial institution employees.

Website: EarlyWarning.com

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

Phone: 800-325-7775

EmployeeScreenIQ

Provides pre-employment screening services.

Website: EmployeeScreen.com

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

Phone: 800-235-3954

First Advantage

Conducts background screening services.

Website:  FADV.com

Address
First Advantage Consumer Relations
P.O. Box 3367
Seminole, FL 33775

Phone: 800-321-4473

GIS

Conducts background screening services.

Website: GenInfo.com

Address:
GIS
P.O. Box 353
Chapin, SC 29036
Phone: 800-265-4917

HireRight:

Conducts employment background screening services.

Website: HireRight.com

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

Phone: 800- 381-0645

Infocubic

Provides pre-employment screening services.

Website: Infocubic.com

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

Phone: 877-360-4636

Intellicorp

Provides employment histories and criminal histories.

Website: Intellicorp.net

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

Phone: 866-202-1436

Lexis Nexis Screening Solutions. Inc.

Provides employment history reports.

Website: PersonalReports.LexisNexis.com

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

Phone: 866-312-8075

Pre-employ.com

Provides employment background, investigative, consumer reports.

Website: Pre-employ.com

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

Phone:  800-300-1821

Trak 1 Technology

Conducts background screening services.

Website: Trak-1.com

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

Phone: 918-779-7000

Verifications Inc.

Conducts background screening services

Website:  VerificationsInc.com

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

Phone: 877-884-1313

The Work Number

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

Website:  TheWorkNumber.com

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

Phone:  866-604-6570