Big List of Free Consumer Reports (1/2): See Your Confidential Credit, Banking, and Payday Lending Data

magLinks checked and updated for 2016! Since these are available every 12 months, it is a good idea to check these near or around the same time each year.

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.

Some have an online request form, but many require snail mail with proof of identity. You probably won’t 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.

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.

Innovis. A supplementary credit report and identity verification provider. Free copy once every 12 months.

SageStream, LLC (formerly IDA, Inc.) Per their site, they are a “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 fax or mail in a written form.

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.


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.

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.

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.

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.

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).

FactorTrust. Free copy once every 12 months.

Clarity Services, Inc. Must mail or fax form.

DataX Ltd. Must mail form.

Sources:,, Wikipedia


  1. Brilliant.
    I once read Clark Howard’s book and he also threw these on some pages but there was no compilation like this. Thank you.

  2. I was not aware of the fact that there are so many credit bureaus. I’m a financial trader at CornerTrader myself but never knew about credit bureaus anything except Experian and Equifax. Just needed to check two things. First, what credit score is a good score? Is around 400 score a good one? Is this score good to approve me for a loan or mortgage? If not, what’s that good score (I mean the minimum I need to have)? I took a payday loan recently and I’ll pay it well within time. Will that hurt my score? Please guide.

  3. Nice resource. Do checking any of these free ones negatively affect your credit score?

  4. Great Info as usual! FYI this link did not work:

    gave me:

    You asked for,The page cannot be found
    The page you are looking for might have been removed, had its name changed, or is temporarily unavailable.

  5. Is the same as the LexisNexis site? Looks the same. I got a letter from my insurance company saying I could get my driving report from, but hesitate to use it because I have no way to know if it’s real or a scam. Don’t want to just go entering my info on some random site.

    • I haven’t seen that site before, but if you look up the nameservers for the domain, they point to The other domain information also supports this (registrant info, IP address). The domain is also cleared by Web of Trust. All this would suggest it is a legit site.

      Good find too, as it looks like you can request a report online instead of mailing in a PDF form. The form does ask for referring insurance company, so not sure if they cross-check first before giving you the report.

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