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