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.
- 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.
- 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
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
Realpage Consumer Report. Provides tenant screening through their LeasingDesk product, including “the industry’s largest rental payment history database.”
- RealPage.com report request page
CoreLogic SafeRent. SafeRent provides both tenant and employment screening data, including information regarding landlord tenant and criminal public court records. One free report every 12 months.
- CoreLogic.com report request page (see bottom)
Experian RentBureau Rental History Report. “Every 24 hours, Experian RentBureau receives updated rental payment history data from property owners/managers, electronic rent payment services and collection companies and makes that information available immediately to the multifamily industry through our resident screening partners.”
First Advantage Resident History Report. Tenant and employment background checks. One free report every 12 months.
- FAdv.com report request page
Contemporary Information Corp. CIC provides background checks on prospective tenants and/or employees and contractors for landlords and management companies. Keep records of any rental evictions.
- CICReports.com report request page (see bottom)
- 800-288-4757 (Option 5)
Tenant Data. Provides tenant history reports, including any reported damages, unpaid balances, evictions, lease violations, noise complaints, or unauthorized pets.
- TenantData.com report request page
- 800-228-1837 (Option 6)
C.L.U.E. Personal Property Report. A division of LexisNexis, CLUE stands for Comprehensive Loss Underwriting Exchange, which collects information that is used to calculate your insurance premiums. This report provides a seven year history of losses associated with an individual and his/her personal property. Includes date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name. This also means you can find out about previous claims on the house you are currently renting or recently bought, even if they weren’t made by you.
- LexisNexis.com CLUE report request page
C.L.U.E. Auto Report. This report provides a seven year history of automobile insurance losses associated with an individual. Includes date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name.
- LexisNexis.com CLUE report request page
Verisk Analytics aka ISO aka A-PLUS Loss History Reports. ISO stands for Insurance Services Office, A-PLUS stands for Automated Property Loss Underwriting System. Auto and property loss claim history.
- Verisk.com report request page
Insurance Information Exchange. Provide reports including your motor vehicle records and driver history, including any traffic violations or related criminal history. May require proof of adverse action to obtain free report.
- IIX.com report request page
MIB (previously known as Medical Information Bureau). Run by 470 insurance companies with a “primary mission of detecting and deterring fraud that may occur in the course of obtaining life, health, disability income, critical illness, and long-term care insurance.” They record information of “underwriting significance” like medical conditions or hazardous activities. If you have not applied for individually underwritten life, health, or disability income insurance during the preceding seven year period, then you probably don’t have a record.
- MIB.com report request page (see bottom)
Milliman IntelliScript. Tracks your prescription drug purchase history. “Milliman IntelliScript will have prescription information about you only if you authorized the release of your medical records to an insurance company and that company requested that we gather a report on you.”
- RXHistories.com report request page
OptumRX / MedPoint Health Report. Tracks your prescription drug purchase history. Now called OptumRX, formerly Ingenix.
- OptumRX.com report request page
The following companies all offer background screening services for employers. Most will not have any information about you unless you authorized a potential employer to run a background check on you (probably during the application process). Some will not provide you information unless there was adverse action. Otherwise, you can get one free copy every 12 months.
The Work Number. (division of Equifax) They also keep historical income records.
- TheWorkNumber.com report request page
Accurate Background, Inc.
- AccurateBackground.com report request page
American Databank, LLC.
- AmericanDatabank.com report request page
- EmployeeCcreen.com report request page
- 800-235-3954 (Option 5)
General Information Services.
- GenInfo.com report request page
- HireRight.com report request page
Professional Screening & Information, Inc.
- PSIBackgroundCheck.com report request page
SterlingBackcheck (formerly Sterling Infosystems)
- SterlinkBackCheck.com report request page
- Trak-1.com report request page
- VerificationsInc.com report request page
National Consumer Telecom and Utilities Exchange. NCTUE is a “membership of companies that provide services (telecommunication, pay TV, and utilities) […] to aid in risk mitigation.” Basically they track when people don’t pay their phone, cable, or utility bills. One free report every 12 months.
- NCTUE.com report request page