The reporting directory
Your data reaches beyond 3 bureaus.
Credit, banking, housing, employment, insurance, and business decisions can each involve a different report from a different company. Find the company that holds the relevant information and go directly to its official resource. 71 entries.
Start with the right report
1 name on a notice is the place to begin.
Requesting every report is rarely necessary.
Equifax, Experian, and TransUnion are the 3 largest nationwide consumer credit bureaus. The companies often called secondary bureaus serve many different purposes; the phrase does not describe a single official category, and some entries below are related report services or brands inside the same corporate family.
Start with the company named in an adverse action notice, or with the report used for the decision. A specialty company may hold no file on you at all. Freezing a specialty file does not erase accurate information and does not guarantee any financing result.
Directory foundation: the CFPB's 2025 list of consumer reporting companies, which the CFPB describes as current to January 2025 and not exhaustive. This page carries its 64 entries plus 7 commercial and mortgage report resources. Compiled September 8, 2026. Company names, ownership, links, and processes change; confirm the instructions on the destination site. CFPB company list
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Find the company. Open its official resource.
71 of 71 reporting companies and report services
Equifax
1 of the 3 largest nationwide consumer credit reporting companies.
Request the report through AnnualCreditReport.com or the company's official consumer services.
Experian
1 of the 3 largest nationwide consumer credit reporting companies.
Request the report through AnnualCreditReport.com or the company's official consumer services.
TransUnion
1 of the 3 largest nationwide consumer credit reporting companies.
Request the report through AnnualCreditReport.com or the company's official consumer services.
Innovis
A consumer reporting company outside the 3 nationwide bureaus. Request its disclosure directly from the company.
An additional consumer credit and identity-reporting company, separate from the 3 largest nationwide bureaus.
LexisNexis Risk Solutions
A consumer reporting company outside the 3 nationwide bureaus. Request its disclosure directly from the company.
Consumer disclosure information drawn from public records and other data sources.
SageStream, LLC
A consumer reporting company outside the 3 nationwide bureaus. Request its disclosure directly from the company.
Part of LexisNexis Risk Solutions. Its consumer-report and prescreen resources are linked to the LexisNexis family.
Creditsafe
Commercial credit reporting on the company rather than the owner. Access and correction run under the company's business process, not consumer report rights.
Dun & Bradstreet
Commercial credit reporting on the company rather than the owner. Access and correction run under the company's business process, not consumer report rights.
Equifax Business
Commercial credit reporting on the company rather than the owner. Access and correction run under the company's business process, not consumer report rights.
Experian Business
Commercial credit reporting on the company rather than the owner. Access and correction run under the company's business process, not consumer report rights.
Certegy Payment Solutions, LLC
Bank account or payment screening. Use the company identified in the account or payment notice.
Chex Systems, Inc.
Bank account or payment screening. Use the company identified in the account or payment notice.
CrossCheck, Inc.
Bank account or payment screening. Use the company identified in the account or payment notice.
Early Warning Services, LLC
Bank account or payment screening. Use the company identified in the account or payment notice.
Global Payments Check Services LLC
Bank account or payment screening. Use the company identified in the account or payment notice.
TeleCheck Services, Inc.
Bank account or payment screening. Use the company identified in the account or payment notice.
Clarity Services
Alternative or specialty consumer credit data, often used for short term or nonprime lending decisions.
An Experian company focused on alternative financial-services data.
DataX, Ltd.
Alternative or specialty consumer credit data, often used for short term or nonprime lending decisions.
An Equifax company providing specialty consumer-credit data.
FactorTrust
Alternative or specialty consumer credit data, often used for short term or nonprime lending decisions.
A TransUnion company providing alternative-credit data.
MicroBilt
Alternative or specialty consumer credit data, often used for short term or nonprime lending decisions.
Teletrack
Alternative or specialty consumer credit data, often used for short term or nonprime lending decisions.
AmRent
Tenant screening or rental history information. Start with the company named in the housing decision.
AppFolio, Inc.
Tenant screening or rental history information. Start with the company named in the housing decision.
Contemporary Information Corp. (CIC)
Tenant screening or rental history information. Start with the company named in the housing decision.
Experian RentBureau
Tenant screening or rental history information. Start with the company named in the housing decision.
Rental-payment data within Experian; distinct from a standard nationwide consumer credit report.
First Advantage Resident Solutions
Tenant screening or rental history information. Start with the company named in the housing decision.
Real Page, Inc. (LeasingDesk)
Tenant screening or rental history information. Start with the company named in the housing decision.
RentGrow, Inc.
Tenant screening or rental history information. Start with the company named in the housing decision.
SafeRent Solutions
Tenant screening or rental history information. Start with the company named in the housing decision.
Screening Reports, Inc.
Tenant screening or rental history information. Start with the company named in the housing decision.
TransUnion Rental Screening Solutions, Inc. (TransUnion SmartMove)
Tenant screening or rental history information. Start with the company named in the housing decision.
Accurate Background
Background screening or employment related information. Check the report named by the employer or verifier.
ADP Screening & Selection Services, Inc.
Background screening or employment related information. Check the report named by the employer or verifier.
Asurint
Background screening or employment related information. Check the report named by the employer or verifier.
backgroundchecks.com
Background screening or employment related information. Check the report named by the employer or verifier.
Blend Insights
Background screening or employment related information. Check the report named by the employer or verifier.
CCC Verify
Background screening or employment related information. Check the report named by the employer or verifier.
Certiphi
Background screening or employment related information. Check the report named by the employer or verifier.
Checkr
Background screening or employment related information. Check the report named by the employer or verifier.
Cisive
Background screening or employment related information. Check the report named by the employer or verifier.
DISA Global Solutions, Inc.
Background screening or employment related information. Check the report named by the employer or verifier.
EmpInfo, Inc.
Background screening or employment related information. Check the report named by the employer or verifier.
Experian Verify
Background screening or employment related information. Check the report named by the employer or verifier.
Fama Technologies
Background screening or employment related information. Check the report named by the employer or verifier.
Ferretly
Background screening or employment related information. Check the report named by the employer or verifier.
First Advantage Corporation
Background screening or employment related information. Check the report named by the employer or verifier.
HireRight
Background screening or employment related information. Check the report named by the employer or verifier.
IntelliCorp
Background screening or employment related information. Check the report named by the employer or verifier.
OPENonline
Background screening or employment related information. Check the report named by the employer or verifier.
Acquired by Universal Background Screening. Retained as a name that may appear on an earlier report.
Pinwheel
Background screening or employment related information. Check the report named by the employer or verifier.
Pre-employ.com
Background screening or employment related information. Check the report named by the employer or verifier.
Sterling
Background screening or employment related information. Check the report named by the employer or verifier.
Acquired by First Advantage. Retained here as a report and service brand visitors may recognize.
The Work Number
Background screening or employment related information. Check the report named by the employer or verifier.
Employment and income verification operated by Equifax Workforce Solutions.
Truework
Background screening or employment related information. Check the report named by the employer or verifier.
Universal Background Screening
Background screening or employment related information. Check the report named by the employer or verifier.
A-Plus Property (by Verisk)
Insurance claims, driving, or vehicle history information used in underwriting.
Arity
Insurance claims, driving, or vehicle history information used in underwriting.
Connected Analytic Services (CAS)
Insurance claims, driving, or vehicle history information used in underwriting.
Drivers History
Insurance claims, driving, or vehicle history information used in underwriting.
Insurance Information Exchange (iiX, also known as Transportation Employment Screening)
Insurance claims, driving, or vehicle history information used in underwriting.
LexisNexis C.L.U.E. & Telematics OnDemand
Insurance claims, driving, or vehicle history information used in underwriting.
Insurance-related report services within LexisNexis Risk Solutions; separate from the broader consumer disclosure entry.
MIB, Inc.
Medical or prescription history information used in life and health insurance underwriting.
Milliman IntelliScript
Medical or prescription history information used in life and health insurance underwriting.
Factual Data
A mortgage report reseller or service provider. It can appear on a report alongside the underlying bureaus.
Informative Research
A mortgage report reseller or service provider. It can appear on a report alongside the underlying bureaus.
Xactus
A mortgage report reseller or service provider. It can appear on a report alongside the underlying bureaus.
National Consumer Telecom & Utilities Exchange (NCTUE)
Telecom, pay TV, and utility account history exchanged between providers.
The Retail Equation
Retail return and exchange activity used by merchants.
Central Credit, LLC
Casino credit and check cashing information used by gaming operators.
NCC (National Cred-A-Chek, Inc.)
Casino credit and check cashing information used by gaming operators.
VIP Preferred
Casino credit and check cashing information used by gaming operators.
General education only. Every link leads to an independent external resource; follow that company's current verification and submission instructions. Citadel Ridge LLC is not affiliated with, and is not endorsed by, any reporting company or regulator.
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