There are many companies out there that make money by collecting and selling data – your personal data. In the past, it was often difficult if not impossible to see what they were telling prospective lenders, landlords, even employers about you. Under the FCRA and/or FACT Acts, many consumer reporting agencies (CRAs) are now legally required to send you a free copy of your report every 12 months, as well as provide a way to dispute incorrect information. There are more CRAs every time I try to compile these lists, such that this time I split it into two parts:
- Credit, Banking, and Lending-related consumer reports (Part 1, which you are reading here)
- Housing, Insurance, and Employment-related consumer reports (Part 2)
Some have an online request form, but many require snail mail with proof of identity. You may not want to bother checking all of them (for example if you rarely write checks or use payday loans), but if you’ve experienced any sort of rejection or adverse reaction in these areas the cause might be found inside one of these databases. Keep in mind that you may not have a file with all of these places.
Experian, Equifax, and TransUnion. The three major credit bureaus track your credit accounts, payment history, and other related information like bankrupts and liens. Free copy of each once every 12 months.
CoreLogic Credco. One of the largest credit-related CRAs and often used by mortgage lenders, your CoreLogic Credco Consumer File can contain: previous homeownership and mortgage info, rental payment history, any reported delinquencies, and other debt obligations like child support. Free copy once every 12 months.
- Credco.com request page
LexisNexis. One of the largest personal information databases that includes public records, real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses on file. Free copy, must mail in form.
- LexisNexis.com request page
Innovis. A supplementary credit report and identity verification provider. Free copy once every 12 months.
- Innovis.com request page
IDA, Inc. Per their site, they are a “credit reporting agency that produces credit reports and scores from our repository of consumer information contributed by a wide array of companies including leading financial services organizations, wireless providers, utilities, retailers, auto lenders and many others.” Free copy, must mail in form.
- IDAInc.com request page
Microbilt and subsidiary Payment Reporting Builds Credit (PRBC). Microbilt is a credit reporting agency, per their site a “leading provider of alternative credit data to businesses that want to offer credit and other financial services to the approximately 110 million underserved and underbanked consumers in the United States.” Free copy once every 12 months.
- Microbilt.com request page
- 877-PRBC-123, Option 1
L2C, Inc. A credit reporting agency, appears focused on the underbanked or unbanked population. Limited further details.
- L2C.com request page
Chexsystems. A consumer information database used by an estimated 80-90% of all banks to help determine the risk of opening new accounts. Think of it as the banks’ version of a credit bureau. If a person commits check fraud or overdraws their account, it will be listed here. In addition, the simple act of opening or closing a bank account may be recorded in their database. Having a negative ChexSystems record can leave you blacklisted from opening bank accounts at most major banks. Free copy once every 12 months. Must order by phone, mail, or fax.
- ConsumerDebit.com request page
TeleCheck. Per their site, they provide “industry-leading check acceptance, check processing and risk analytics services to merchants and financial institutions.” One of the major companies that protect businesses and banks from bad checks. Must order by phone or mail.
- FirstData.com/TeleCheck request page
Certegy Check Services. Per their site, a “check risk management company that provides verification, guarantee and risk analytics to thousands of businesses that choose to accept checks as a form of payment for goods or services.” Clients include check-cashing stores and casinos. Free copy once every 12 months. Must order by phone or mail.
- AskCertegy.com request page
Early Warning Services. A collaboration between a group of big banks including Bank of America, BB&T, Capital One, JPMorgan Chase and Wells Fargo. Provides fraud prevention and risk management in relation to bank accounts and payment transactions. Must order by phone.
- EarlyWarning.com request page
Subprime-Related (Payday Lending)
The following companies focus on subprime customers with clients including payday lenders, title loan lenders, rent-to-own stores, and subprime auto loan providers.
Teletrack (affiliated with CoreLogic).
- Teletrack report request form
FactorTrust. Free copy once every 12 months.
- FactorTrust.com request page
Clarity Services, Inc. Must mail or fax form.
- ClarityServices.com request page
DataX Ltd. Must mail form.
- DataXLtd.com request page
This should serve as a mid-year notice, but I will refresh this post as a reminder around January 1st (that’s when I like to pull all my reports).