List of Credit Reporting Agencies
In-depth Information About Credit Reporting Agencies, with a Complete List by Category!
Have to deal with credit reporting agencies? Learn what they are, how they work, and how they can impact your life for better or worse. Credit reporting agencies are everywhere, whether it’s a credit report for a mortgage or auto loan, a background check for employment, or a screening report for a rental opportunity. We explain it all.
If you’re researching a list of credit reporting agencies, then it’s likely that you just found out that you’ll need to submit to some kind of consumer analysis like a credit or background check. Maybe you need to complete a credit check as part of the loan application process (such as a mortgage, auto finance, or home equity loan). Maybe you’re trying to open or extend your available credit through a credit card company. Maybe you’ve applied for a new job that requires a criminal background check. Maybe you need to complete a tenant screening to get approval for a rental property. No matter your particular situation, the ways credit reporting agencies in the USA impact our lives are direct and ever-present.
The List of Credit Reporting Agencies
We’ve compiled a comprehensive list of all credit reporting agencies currently operating. Scan our list of the names of credit reporting agencies to find out if the company you’re dealing with is included.
After reviewing the list, if you think you could benefit from speaking with a qualified and knowledgeable background check lawyer, don’t hesitate to reach out. Our consultations are always free, and with a nationwide practice, we’re always right where you need us to be.
National credit reporting companies
- CSC Credit Services
- Credit Technologies
- Global Payments
Medical
- Certiphi Screening
- MIB
- Milliman IntelliScript
Tenant screening
- Advanced Background Services
- AmRent
- AmerUSA
- Contemporary Information Corporation
- CoreLogic Rental Property Solutions
- First Advantage Resident Solutions
- InfoLink
- LeasingDesk by RealPage
- On-Site by RealPage
- rTenant by Real ID
- RentGrow by Yardi Systems
- Screening Reports
- StarPoint Screening
- Tenant Data Services
Employment screening companies
- GoodHire
- SentryLink
- AccurateNow
- Employment Screening Resources
- HireRight
- IntelliCorp Records Inc.
- Justifacts
- Checkr
- Asurint
- Sterling Talent Solutions
- AccuFacts
- Accurate Background
- Accurint by LexisNexis
- A-Check Global
- ADP Screening & Selection Services Inc.
- Advanced Background Services
- American DataBank
- Applicant Insight
- backgroundchecks.com
- Background Information Services Inc.
- Background Investigation Bureau
- Business Information Group
- Crimcheck
- Criminal 411
- Drivers History by TransUnion
- EmpInfo
- EmployeeScreenIQ by SterlingBackcheck
- EZScreen Solutions
- First Advantage
- General Information Services
- Hirease
- Info Cubic
- Insight Worldwide
- IntegraScan
- International Organization for Standardization
- Kroll Background America
- National Background Data
- National Student Clearinghouse
- OPENonline
- PeopleFacts
- PeopleWise
- pre-employ.com
- Professional Screening & Information
- Real ID
- ReferencePro
- Shadow Trackers
- SingleSource Services
- StarPoint Screening
- TC LogiQ
- The Work Number
- Trackers
- Trak-1 Technology
- Truescreen
- Truework
- Universal Background Screening
- Verifications Services Inc.
- Vertical Screen
- G4S Wackenhut
Check and bank screening
- Certegy Check Services
- ChexSystems
- CrossCheck
- Early Warning Services
- TeleCheck Services Inc.
- CheckCare
- Electronic Check Alliance Processing
- EZCheck
- First American Payment Systems SecurChex
- Global eTelecom
- Global Payments Check Services
- Interthinx
Gaming
- Central Credit Services
- Certegy Gaming Services
- National Cred-A-Chek Inc.
- VIP Preferred
Low income and subprime
- Clarity Services by Experian
- DataX
- FactorTrust
- MicroBilt
- CoreLogic Teletrack
Personal property insurance
- A-PLUS Property by Verisk
- Auto Data Direct
- Comprehensive Loss Underwriting Exchange
- First American Financial Corporation
- Florida MVR Services Inc.
- Insurance Information Exchange
- Insurance Services Office
- National Insurance Crime Bureau
- TML Information Services
Retail
- CardService International Inc.
- First Data
- The Retail Equation
Supplementary reports
- A-PLUS Personal Lines Loss History Solutions by Verisk Analytics
- Avantus
- ChoicePoint
- Collection Resources
- CoreLogic Credco
- Factual Data
- FirstPoint
- Inflection Risk Solutions
- Innovis
- LexisNexis Risk Solutions
- L2C Inc.
- SageStream
Utilities
- National Consumer Telecom & Utilities Exchange
We’ve compiled a comprehensive credit reporting agencies list, and if you’re just looking for names, scroll down. But when you’re dealing with credit reporting agencies, we think it’s really helpful to understand what these companies are, their role in our consumer economy, how they can impact your life, and who can help if things go wrong.
How do we know what we’re talking about? We’re a nationwide law firm of consumer protection attorneys with over seventy-five years of experience helping consumers recover from devastating reporting errors. So keep reading, check out the list, and reach out to ask questions about your situation. We’re here to help, and our consultations are always free.
Credit Reporting Agencies are Consumer Reporting Agencies
Surprise! Even though this article is about credit reporting agencies, the actual legal term for these companies is consumer reporting agencies (also known as CRAs). “Consumer reporting agencies” is a legal term to describe national credit reporting companies that engage in certain reporting behaviors in the consumer data industry regulated by federal and state law, including the Fair Credit Reporting Act (FCRA).
The term credit reporting agency is an informal (though often-utilized) alternative to the formal (and legally accurate) term consumer reporting agency. In fact, sometimes, people mix the two terms together to create other variations of the same concept, such as “consumer credit reporting agencies.”
Since many people search for information using the informal term (credit reporting agencies), we’re happy to use it here as we explain what these companies do. Just know that when you look at the applicable law, “consumer reporting agencies” is the formal term for the same thing.
If any of the data in a consumer report about you is wrong, you’ll likely work with a credit report lawyer to resolve the situation. If you file a lawsuit and assert your rights under the FCRA, you’ll get used to discussing these companies as consumer reporting agencies.
Information on Credit Reporting Companies
What are credit reporting agencies? All credit reporting agencies are companies that operate in the for-profit consumer data industry. In particular, these companies sell reports about consumers to other companies or clients who want to know specific information. Credit reporting agencies use a combination of algorithms and human efforts to gather, sort, and review data and generate reports that categorize the data into easy-to-read segments.
There are more than three credit reporting Agencies
You are most likely familiar with the main credit reporting agencies- Experian, Equifax, and TransUnion. Sometimes referred to as the main credit bureau reporting agencies or just the credit bureaus, these are the top 3 credit reporting agencies. This means these are the 3 major credit reporting agencies that are the largest, get used the most, and have the most name recognition among consumers. They are truly national credit reporting companies.
However, there are different credit reporting agencies that represent all kinds of companies in the business of making these reports, including gaming credit check companies, employment screening companies, tenant screening companies, utilities companies, personal property insurance companies, medical companies, and others. Some people only know of the top credit reporting agencies and are surprised to learn that several dozen smaller credit reporting agencies exist.
Where do credit reporting agencies get their information?
Credit reporting agencies, whether one of the three major credit reporting agencies (aka the credit bureaus) or one of the secondary credit reporting agencies, all get their data from one of several places:
- Data furnishers. You have a direct relationship with these companies, such as your bank, credit card company, service providers, mortgage lender, etc. Credit reporting agencies primarily use algorithms to collect and sort data.
- Third-party companies. These companies do not have a direct relationship with you. Instead, they use their algorithms to scan criminal and civil databases for information that they sell to the credit reporting agencies. This information can include criminal records, driving records, municipal and property records, etc.
- Data gathering teams. Depending on the nature of the report, some credit reporting agencies have internal teams of people who conduct some of the data gathering directly. For instance, a company specializing in employment background checks may use direct phone calls to your former employers and educational institutions to verify the information provided in your resume.
What are the Top 3 Credit Reporting Agencies?
Importantly, three main credit reporting agencies are worth singling out for a closer look. Experian, Equifax, and TransUnion are the credit bureaus. Though this title sounds official, it simply identifies them as the powerhouse companies among the US credit reporting agencies. When you talk about checking your credit score or credit report, these are the companies you’d use.
In fact, the credit bureaus are so well-established and ubiquitous that the federal government acknowledges them as the only sources where you can access free weekly credit reports, which you are entitled to under the law. There are three ways to request a copy: online at annualcreditreport.com, by phone at 877-322-8228, or by mailing a request form, which can be printed at annualcreditreport.com. Online requests should only be made through this government-verified site.
In addition, the credit bureaus are large enough to operate subsidiary companies that offer separate, though related, consumer reporting products. For instance, along with providing class credit reports, both Experian and TransUnion also operate tenant screening report off-shoots.
Main Credit Reporting Agencies
There is notable competition for market share in the consumer data industry, including several alternative credit reporting agencies that dominate the top spot in a particular type of consumer report (such as employment background checks); it is safe to say that Experian, Equifax, and TransUnion are still the 3 main credit reporting agencies. In a consumer reporting market that currently generates approximately twenty billion dollars globally each year, these three are still responsible for a sizeable market share and have superior name recognition. In fact, they are almost synonymous with the idea of a credit report or credit score.
What are the Best and Safest Credit Reporting Agencies?
It’s important to consider what is meant by the best credit reporting agencies in the consumer data industry. In this context, the best and safest refer to the likelihood of experiencing inaccurate, misleading, or false information in your consumer report. In other words, safety and superiority are synonymous with accuracy. However, whether dealing with third-party credit reporting agencies or major credit reporting agencies, there is no data available to support the accuracy of one over all the others.
As discussed above, recent research supports the unfortunate finding that credit reporting errors impact one-third of consumers. These errors occur across the full spectrum of agencies, including the main credit reporting agencies and all others.
Credit Information Providers
Order three in-file credit reports online from your choice of credit information providers using Desktop Underwriter® (DU®) and Desktop Originator® (DO®). Check out the credit information providers list below for contracts and billing arrangements. Be sure to register with at least two credit information providers. This ensures you have a backup option if your default provider is unavailable.
| Reference# | Credit Information Provider | Sponsor |
|---|---|---|
| 316 | A Plus Credit Info 225 S. Main St Council Bluffs , IA 51503 United States (800) 999-9631 | MeridianLink, Inc |
| 315 | A Plus Credit Info – SL 225 S Main St Council Bluffs , IA 51503 United States (800) 999-9631 | SharperLending Solutions LLC |
| 138 | A+ Advantage Plus Credit Reporting, Inc. 7998 W. Thunderbird Road Suite 109 Peoria , AZ 85381 United States (866) 820-7550 | MeridianLink, Inc. |
| 292 | Accurate Financial Services PO Box 425 Nolensville , TN 37135 United States (800) 373-5333 | SharperLending Solutions LLC |
| 31 | ACRAnet, Inc. 521 W. Maxwell Ave. Spokane , WA 99201 United States (800) 304-1249 | SharperLending Solutions LLC |
| 310 | Advantage Credit Bureau (powered by MeridianLink) 5050 47th Street South Fargo , ND 58104 United States (800) 568-4478 | MeridianLink, Inc. |
| 313 | Advantage Credit Bureau – SharperLending 5050 47th St S. Fargo , ND 58104 United States (800) 568-4478 | SharperLending Solutions LLC |
| 308 | Advantage Credit, Inc. by Credit Interlink 32065 Castle Court Evergreen , CO 80439 United States (800) 670-7993 | Credit Interlink, Inc. |
| 226 | Advantage Credit, Inc. of Colorado 32065 Castle Court Suite 300 Evergreen , CO 80439 United States (303) 670-7993 | MeridianLink, Inc. |
| 139 | American Reporting Company, LLC 144 Railroad Avenue Suite 218 Edmonds , WA 98020 United States (800) 992-1058 | MeridianLink, Inc. |
| 76 | Birchwood Credit Services, Inc. PO Box 7403 Fort Lauderdale , FL 33338 United States (800) 910-0015 | MeridianLink, Inc. |
| 283 | Certified Credit Reporting, Inc. PO Box 2969 Rancho Cucamonga , CA 91761 United States (800) 769-7615 | MeridianLink, Inc. |
| 128 | CIC Credit 3000 Business Park Circle Ste 300 Goodlettsville , TN 37072 United States (615) 386-2282 | MeridianLink, Inc. |
| 86 | Cisco Credit 2815 S. Alma School Road #109 Mesa , AZ 85210 United States (800) 804-0043 | MeridianLink, Inc. |
| 1 | CoreLogic Credco 12395 First American Way Poway , CA 92064 United States (800) 423-1150 | CoreLogic Credco |
| 298 | Credit Information Systems 225 S Main St Council Bluff , IA 51503 United States (800) 782-9094 | SharperLending Solutions LLC |
| 311 | Credit Information Systems ML 225 South Main Street Council Bluffs , IA 51503 United States (800) 782-9094 | MeridianLink, Inc. |
| 24 | Credit Link by Certified Credit Reporting PO Box 2969 Rancho Cucamonga , CA 91761 United States (800) 769-7615 | MeridianLink, Inc. |
| 116 | Credit Quick Services 55 W. Monroe Street Suite 1655 Chicago , IL 60603 United States (800) 585-7870 | Credit Interlink, Inc. |
| 287 | Credit Technologies, Inc. 40480 Grand River Avenue Suite H Novi , MI 48375 United States (800) 445-4922 | MeridianLink, Inc. |
| 161 | Credit Technology, a dba of SettlementOne Data, LLC 1990 E. La Cadena Drive Suite A Riverside , CA 92507 United States (888) 778-1501 | MeridianLink, Inc. |
| 301 | Data Facts, Inc 8000 Centerview Pkwy Suite 400 Cordova , TN 38018 United States (800) 264-4110 | SharperLending Solutions LLC |
| 4 | Equifax Mortgage Solutions 1550 Peachtree Street, NW Mail Stop J 42Q Atlanta , GA 30309 United States (800) 333-0037 | Equifax Mortgage Solutions |
| 3 | Factual Data 400 Holiday Drive Suite 300 Pittsburgh , PA 15220 United States (800) 216-3463 | Factual Data by CBC |
| 130 | Funding Suite a Covius Solution 12410 Mirabeau Parkeway #100 Spokane Valley , WA 99216 United States (800) 848-3162 | Xactus |
| 58 | Information Searching Company 2720 South Harbor Blvd # H Santa Ana , CA 92704 United States 714-424-5300 | MeridianLink, Inc. |
| 2 | Informative Research 13030 Euclid St. Suite 207 Garden Grove , CA 92843 United States 800-473-4633 | Informative Research |
| 305 | KCB Credit LLC 1407 N Batavia St #201 Orange , CA 92867 United States (844) 217-5633 | MeridianLink, Inc. |
| 309 | Lenders One 730 Market Center Ave #100 El Paso , TX 79912 United States (877) 806-1535 | MeridianLink, Inc. |
| 78 | Merchants Credit Bureau 2803 Wrightsboro Rd. Suite #8 Augusta , GA 30909 United States (706) 823-6233 | MeridianLink, Inc. |
| 281 | MeridianLink, Inc. 1124 Bristol Street Costa Mesa , CA 92626 United States (714) 708-6950 | MeridianLink, Inc. |
| 6 | NCO / EGS / Alorica Credit Services 3850 N Causeway Blvd Suite 201 Metairie , LA 70002 United States (800) 925-6691 | SharperLending Solutions LLC |
| 204 | Online Information Services 685 W. Firetower Rd Winterville , NC 28590 United States (800) 447-1336 | SharperLending Solutions LLC |
| 251 | Partners Credit and Verification Solutions 55 W. Monroe Street Suite 1655 Chicago , IL 60603 United States (888) 895-5145 | Credit Interlink, Inc. |
| 299 | Premium Credit Bureau 2701 E Atlantic Blvd. 2nd Floor Pompano Beach , FL 33062 United States (305) 468-1560 | MeridianLink, Inc. |
| 295 | Premium Credit Bureau Data 17592 17th Street 2nd Floor Tustin , CA 92780 United States (866) 318-6304 | MeridianLink, Inc. |
| 302 | SARMA 555 E. Ramsey San Antonio , TX 78216 United States (800) 955-5238 | MeridianLink, Inc. |
| 229 | Service First Information Solutions 245 Bellevue Ave Hammonton , NJ 08037 United States (877) 814-1178 | MeridianLink, Inc. |
| 290 | SettlementOne Data, LLC 480 Town Center Drive N #443 Mooresville , IN 46158 United States (800) 340-2009 | SharperLending Solutions LLC |
| 307 | SettlementOne Data, LLC 480 Town Center Drive N #443 Mooresville , IN 46158 United States (800) 340-2009 | MeridianLink, Inc. |
| 282 | SharperLending Solutions, LLC 370 Reed Rd #100 Broomall , PA 19008 United States (800) 452-1174 | SharperLending Solutions LLC |
| 5 | SL Solutions 370 Reed Rd #100 Broomall , PA 19008 United States (800) 452-1174 | SharperLending Solutions LLC |
| 270 | Trans Union Puerto Rico Ponce de Leon 670 Carribean Office Plaza Suite 211 San Juan , PR 00907 United States (787) 289-6212 | Xactus |
| 277 | Unisource Credit by SharperLending 1880 Century Park East Suite #716 Los Angeles , CA 90067 United States (949) 303-7077 | SharperLending Solutions LLC |
| 314 | Unisource Credit, LLC 1880 Century Park East, Suite 716 Los Angeles , CA 90067 United States (877) 634-3282 | MeridianLink, Inc. |
| 63 | United One 270 North Sherman Street Wilkes-Barre , PA 18702 United States (570) 706-2844 | MeridianLink, Inc. |
| 51 | Xactus 370 Reed Rd Suite 100 Broomall , PA 19008 United States (800) 243-0120 | Xactus |
Save time. Enjoy the convenience.
Take advantage of DU/DO early in your credit reporting process and these applications will auto-populate the liabilities section of Form 1003. The report can also be reissued, if it was ordered before accessing Fannie Mae’s network. Desktop Underwriter and Desktop Originator Learn more about DU early assessment which enables DU users to obtain a conditional risk assessment during their pre-qualification process, with no impact to a consumer’s credit score.
https://consumerattorneys.com/resources/list-of-credit-reporting-agencieshttps://singlefamily.fanniemae.com/credit-information-providers
