Find out for free (and how we can help you take action if it's wrong).Consumer reporting agencies exist to collect and sell data about consumers. That includes you. Most consumers are familiar with the big three credit bureaus -- Equifax, Experian, and Trans Union -- that report credit information. But did you know that there are dozens upon dozens of specialty bureaus reporting information ranging from criminal background data, medical records, and housing history relating to tenants and landlords? Why Should a Consumer Care about His or Her Consumer File? In One Word: Errors.These reporting agencies are notorious for reporting inaccurate information. And your file often is referenced when you apply for credit, employment, housing, or insurance. Errors in your file can lead to denials or unfavorable terms. Obtaining Your Free File Disclosures Part I -- Obtaining Your Credit Reports for Free Visit annualcreditreport.com to obtain your free credit reports. Part II -- Obtaining Your Specialty Reporting Agency Files (in most cases, for free) Here is your three-step action plan: - Visit each company's website and follow its instructions to obtain your free file disclosure.
- Review it carefully upon receipt.
- Contact us immediately if the disclosure contains inaccurate negative information about you.
Option 1: A list of available specialty consumer reporting agencies is available here Option 2: The following list of direct links makes it easier for you to take advantage of your legal rights to (1) obtain the information in your consumer reports and (2) dispute report inaccuracies with companies as needed. Experian, Equifax, Trans Union Employment Screening Accurate Background American Databank Backgroundchecks.com Checkr Employee Screen First Advantage General Information Services, Inc. (GIS) HireRight Info Cubic IntelliCorp OPENonline Pre-employ.com SterlingBackcheck Trak 1 The Work Number Tenant screening Contemporary Information Corp. (CIC) CoreLogic SafeRent Experian RentBureau First Advantage Corporation Resident History Report LeasingDesk (Real Page, Inc.) Screening Reports, Inc. Tenant Data Services TransUnion Rental Screening Solutions Check and bank screening Certegy Check Services ChexSystems Early Warning Services TeleCheck Services Personal property insurance C.L.U.E. Inc. (Personal Property & Auto Reports) Drivers History Insurance Information Exchange (iiX) Insurance Services Office, Inc. (ISO) (A-PLUS Property Reports) Medical MIB, Inc. Milliman IntelliScript Low-income and subprime Clarity Services DataX FactorTrust MicroBilt / PRBC CoreLogic Teletrack Supplementary reports CoreLogic Credco Innovis LexisNexis Risk Solutions SageStream Utilities National Consumer Telecom & Utilities Exchange Retail The Retail Equation Gaming Certegy Gaming Services |