When it comes to companies that collect and sell information about you, people generally think there are only three major credit bureaus. In fact there are a number of speciality credit bureaus.
You’ll be surprised how many different company collect and maintain information about you.
Below you will find a comprehensive listing of these credit bureaus and how to contact them if you would like to obtain a free annual credit report.
Secret credit bureaus you don’t know about. (Click to Tweet)

Check Screening and Check History
Chex Systems
Collects checking account applications, openings, and closures, including reasons for account closure. When you apply for a new checking account many banks and credit unions will refer to this database before they approve the new account.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
ConsumerDebit.com
800-428-9623
Certegy Check Services
Collects check writing histories and provides check screening services for retailers who accept checks as payment in their stores.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
AskCertegy.com
866-543-6315
Telecheck
Provides information on check fraud and conducts check verifications for retailers who accept checks as payment in their stores.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
FirstData.com/telecheck
800-366-2425
Payday Lending
Factor Trust
Provides lending data and bankruptcy information to payday lenders and other users.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
FactorTrust.com
866-910-8497
Clarity Services
Provides information on payday loans, financial services, check cashing services, and auto loans.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
ClarityServices.com

CL Verify Microbilt
Tracks information about payday loans.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Microbilt.com
877-772-2123 (Option 1)
CoreLogic Teletrack
Teletrack information sources include payday advance businesses, rent-to-own businesses, furniture stores that offer financing, auto finance companies, high-risk consumer finance businesses, non-prime mortgage businesses, non-prime credit card issuers, credit unions, and cable/telecom companies. These types of lenders will often refer to this database to when considering whether to extend new credit.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Teletrack.com
877-309-5226
Auto and Property Insurance History Reports
Insurance Services Office (ISO) (A Plus Property Reports)
Collects insurance claims and loss information associated with homes or commercial buildings.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
ISO.com
800-709-8842
Insurance Information Exchange
Collects motor vehicle records, including traffic violations and accident reports.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
IIX.com
866-560-7015 1716

L.N. (Clue Personal Property Report)
Collects information on insurance coverage and losses associated with individuals and their personal property.
The company will provide get one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
PersonalReports.lexisnexis.com
866-312-8076

L.N. (Clue Auto Report)
The C.L.U.E. Auto report provides information about individuals’ automobile insurance coverage and losses.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
PersonalReports.lexisnexis.com
866-312-8076
Alternative Credit Reports
CoreScore Credit Report
Collects property tax filings, rental applications and evictions, property ownership and mortgage obligation records, pay day loan and online lending information; bankruptcy, lien, child support obligations.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Credco.com
877-532-8778

L2C
Provides credit reports comprised of data from a variety of purchased and publicly available sources.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
L2CInc.com
866-268-7156
Pay Rent Build Credit (PRBC)/Microbilt
Provides credit information, bill payment information, employment information, bank account data, property records, court judgments, address and phone information for use in
credit decisions.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Microbilt.com
877-772-2123 (Option 1)

ID Analytics
Provides reports on identity information (name, address, phone, etc.) used in credit activity.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
IDAnalytics.com
Innovis
Provides supplementary credit reports to lenders.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Innovis.com
800-540-2505
Utilities
National Consumer Telecom and Utilities Exchange
Collects information on new connect requests, account and payment histories, defaults, and fraudulent accounts associated with telecommunications, pay TV, and utility (electric, gas, water) services.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
NCTUE.com
866-343-2821
Rental
CoreLogic SafeRent
Collects information for tenant and employment screening, including landlord-tenant actions and court judgments.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
residentscreening.com
888-333-2413
LexisNexis Screening Solutions Inc. Resident History Report
Collects tenant history information.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
PersonalReports.LexisNexis.com
866-312-8076
Leasing Desk (Real Page)
Provides data for tenant screening.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
RealPage.com
866-934-1124
Tenant Data Services
Rental performance history (damages, unauthorized pets, lease violations, skips, etc.)
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
TenantData.com
800-228-1837 (Option 6)
Medical
Medical Information Bureau
Collects information about medical conditions and data from insurance applications. The company will provide one free credit report every 12 months.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
MIB.com
866-692-6901
Milliman IntelliScript
Collects information on prescription drug purchase histories. You may have a prescription report about you if you authorized the release of your medical records to an insurance company and that company submitted a request to Milliman.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
RxHistories.com
877-211-4816
Employment History Reports
Accurate Background
Conducts background screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
AccurateBackground.com
800-784-3911
Contemporary Information Corp.
Conducts background screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
ContInfo.com
800-288-4757 (Option 5)
Early Warning Services
Checking account information.
Negative information for financial institution employees.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
EarlyWarning.com
800-325-7775
EmployeeScreenIQ
Provides pre-employment screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
EmployeeScreen.com
800-235-3954 (Option 5)
First Advantage
Conducts background screening services.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
FADV.com
800-321-4473
GIS
Conducts background screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
GenInfo.com
800-265-4917

HireRight
Conducts employment background screening services.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
HireRight.com
800-381-0645
Infocubic
Provides pre-employment screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Infocubic.com
877-360-4636
Intellicorp
Provides employment histories and criminal histories.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Intellicorp.net
866-202-1436
Lexis Nexis Screening Solutions. Inc.
Provides employment history reports.
The company will provide one free report every 12 months.
The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
PersonalReports.LexisNexis.com
866-312-8075
Pre-employ.com
Provides employment background, investigative, consumer reports.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Pre-employ.com
800-300-1821 (extension 199)

Trak 1 Technology
Conducts background screening services.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
Trak-1.com
918-779-7000
Verifications Inc.
Conducts background screening services.
The company will provide one free report every 12 months.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
VerificationsInc.com
877-884-1313

The Work Number
Provides employment and income verification. Includes data collected from large private sector payroll processors.
The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.
TheWorkNumber.com
866-604-6570 – Source
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Since their services consist of collecting and selling consumer data, they are required by FACTA to provide a free annual report.