US

US

US

- Credit Bureau, Background Check and Information Reports
US - Credit Bureau, Reports, Background Check and Information
United States of America (USA) : Credit Bureau Reports Regulations from the FCRA, the Federal Fair Credit Reporting Act.

Free Credit Report

Annual Credit Report get a free credit report each year in Equifax, Experian and TransUnion.
Phone Number: (877) 322-8228
How to request a free credit report?
If you request a free credit report, all consumer reporting companies are required to provide you a copy of the information about you in their records.
You can ask for a free credit report every 12 months from each nationwide consumer reporting company.
Check your reports regularly.
It’s important to review your credit reports every twelve months to ensure they are accurate and complete.
Equifax United States of America (USA)
Experian United States of America (USA)
TransUnion United States of America (USA)
FTP Fair Credit Reporting Act

List of credit bureaus in US

Find credit bureaus information by company name, phone number, category, website, phone, address, free report, freeze report.

Company Name Description
Company NameDescription
Accurate BackgroundProvides background screening services.
ADP Screening & Selection Services, Inc.Provides background screening services
AsurintAsurint Provides background screening services, including, pre- and post-hire searches and workforce monitoring
backgroundchecks.comProvides background screening services. backgroundchecks.com is affiliated with HireRight
CCC VerifyProvides employment and wage information to lenders, property managers, public assistance agencies, and others. CCC Verify is part of Experian.
CheckrProvides background screening services.
CisiveProvides background screening services
DISA Global Solutions, IncProvides background screening services
EmpInfoVerifies and provides employment and income information to employers, lenders, rental housing managers and social benefits processors.
First Advantage CorporationProvides background screening services. First Advantage has been acquired by Silver Lake
General Information Services, Inc. (GIS)Provides background screening services. General Information Services has merged with HireRight.
HireRightProvides background screening services.
Info CubicProvides background screening services.
IntelliCorpProvides background screening services. IntelliCorp is a subsidiary of Cisive.
OPENonlineProvides background screening services. OPENonline has been acquired by Universal Background Screening.
Pre-employ.comProvides background screening services.
Social IntelligenceProvides social media screening for employers.
SterlingProvides background screening services.
TrueworkCollects data to verify employment and income.
The Work NumberProvides employment and income information. It includes data collected from employers and large private sector payroll processors. The Work Number provides this information to employers. It also provides this information to government agency clients to determine, for example, an applicant’s social service eligibility, or, say, to inform child support collections and enforcement. Equifax Workforce Solutions, also known as TALX Corporation, operates The Work Number. TALX is a wholly owned subsidiary of Equifax.
uConfirmProvides income and employment verification information to lenders, employment screeners, property managers and social service agencies. uConfirm, a TCC company, is part of Experian.
Universal Background ScreeningProvides background screening services and employment and income verification.
AmRentProvidesbackground screening services for property management companies and real estate related businesses. Information includes eviction, credit reporting, identity verification, and criminal background data.
AppFolioProvides tenant screening services to property managers. Information includes credit information, income verification, eviction, and criminal background data.
Contemporary Information Corp. (CIC)Conducts background screening services for landlords and residential real estate management companies. Information includes eviction and criminal background data.
SafeRent Solutions, LLCCollects and reports comprehensive information about landlord-tenant actions (such as prior evictions), address history, public background check (to identify prior criminal and courtjudgments, including prior prison sentences, presence on government-managed sex offender and known terrorist databases). SafeRent Solutions was formerly CoreLogic Rental Property Solutions prior to being acquired by Park Hill Holdings.
Experian RentBureauCollects rent payment history data from property owners and residential real estate managers, electronic rent payment services and collection companies, and makes that information available to the multifamily housing industry through tenant screening reporting companies. Experian also includes some positive rent data it receives from Experian RentBureau in its standard credit reports. Positive rent data refers to payments that are paid as agreed between tenants and landlords.
First Advantage Corporation Resident SolutionsProvides background screening services. First Advantage has beenacquired by Silver Lake.
Real Page, Inc. (LeasingDesk)Provides consumer data and “AI-enabled” risk scores, with a focus on identity verification, tenant history (rent payments and evictions), check writing history, as well as criminal public record searches for property-, animal-, violence-, and fraud-related criminal activity. Real Page is being acquired by Thoma Bravo LP.
RentGrow, IncProvides resident screening services to property owners and managers. RentGrow is a wholly owned subsidiary of Yardi Systems, Inc.
Screening Reports, Inc.Provides background screening services to the multifamily housing industry. Offers screening services for affordable, conventional and student housing properties. Services consist of previous rental verification and employment verification, consumer credit reports, landlord tenant eviction reports, criminal reports, sex offender reports, and foreign asset compliance (OFAC search).
TransUnion Rental Screening Solutions, Inc. (TransUnion SmartMove)Provides tenant screening reports, and estimated income, resident risk scores and leasing recommendations for independent landlords and residential real estate management companies.
Certegy Payment Solutions, LLCCollects check writing histories and provides check and ACH verification services primarily for retail merchants and gaming establishments who accept checks as payment.
ChexSystemsProvides account verification services primarily for financial institutions. Collects and reports data on checking account applications, openings, and closures, including reasons for account closure. ChexSystems is affiliated with affiliated Fidelity National Information Services, Inc. (FNIS).
CrossCheck, IncProvides check verification and guarantee services primarily for automotive sales and repair, building supply, home improvement, retail, medical, dental, and veterinarian industries.
Early Warning ServicesAssists financial institutions, check acceptance companies such as retail merchants, payment processors and other financial entities in detecting and preventing fraud associated with bank accounts and payment transactions. Early Warning is co-owned by Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank and Wells Fargo.
Global Payments Check Services, IncProvides check screening and verification services for various consumer-facing industries.
TeleCheck ServicesAssists retailers, financial institutions and other businesses in reducing fraud and other risks associatedwith accepting payments and opening accounts using check writing, and other checking account related information. TeleCheck is a wholly-owned subsidiary of Fiserv Inc.
A-PLUS Property (by Verisk)Collects and reports insurance claims and loss history associated with homes, auto or personal property. A-PLUS Property is a subsidiary of Verisk Analytics, Inc.
LexisNexis C.L.U.E. (Auto & Property Reports)LexisNexis C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history information exchange. It collects and reports up to seven years of auto and personal property claims respectively. Data provided include policy information such as name, date of birth and policy number; and claim information such as date of loss, type of loss and amounts paid, and property information. LexisNexis C.L.U.E. Inc. is affiliated with LexisNexis Risk Solutions.
Drivers HistoryProvides reports to its insurance clients containing information and data collected from open public sources and governmental agencies regarding driving violations issued to specific individuals. Clients that are employers or potential employers can also use these reports to help determine whether someone qualifies, or remains qualified, for a particular job. Drivers History is a subsidiary of TransUnion.
Insurance Information Exchange (iiX)Collects and reports motor vehicle records, including traffic violation data to insurance providers and prospective employers. The company also provides employment and education verification services. Insurance Information Exchange is a subsidiary of Verisk Analytics, Inc
MIB, Inc.Collects information about medical conditions and hazardous avocations with your authorization. It reports this information to life and health insurance companies to assess your risk and eligibility during the underwriting of individual (rather than as a member of a group) life, health, disability income, critical illness, and long-term care insurance policies. Generally, you will not have an MIB consumer report unless you applied for individually underwritten life or health insurance at an MIB member insurance company within the past seven years. MIB, Inc. is a subsidiary of MIB Group, Inc
Milliman IntelliScriptCollects prescriptiondrug purchase history for quantifying the relative mortality risk of life insurance applicants. 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 requestto Milliman. Otherwise, Milliman will have no information.
Clarity ServicesCollects and provides information on payday loans, installment loans, auto loans (and leasing), check cashing services, rent-to-own transactions, telecommunication account openings, and financial services with an emphasis on the lowerincome and subprime consumer market segments. Clarity Services is owned by Experian.
TeletrackCollects consumer information about, and provides data to, payday lenders, rent-to-own businesses, furniture stores that offer financing, auto finance and leasing companies, high risk consumer finance businesses, subprime home lending businesses, subprime credit card issuers, banks, credit unions, cable/telecom companies and debt buyers/collectors.
DataXCollects and provides payment history regarding subprime consumers. Equifax owns DataX.
FactorTrustCollects loan performance information on nonprime consumers to provide predictive credit data, analytics and risk scoring solutions to shortterm lenders, installment lenders, nonprime auto lenders (and leasing companies) and other subprime credit providers. FactorTrust is owned by TransUnion.
MicroBiltProvides consumer credit information, bill payment information, employment information, bank account data, property records, court judgments, address and phone information on lowincome and subprime consumers to businesses that offer short term, rent-to-own, auto, retail and consumer finance lending.
Advanced Resolution ServicesCollects information about consumers' approved and declined bankcard applications.
CoreLogic CredcoCollects and reports personal data such as property ownership and home loan obligation records; property legal filings and tax payment status; rental applications and collection accounts; consumer bankruptcies, liens, judgments, and child support obligations.
InnovisProvides ID verification data to assist with fraud detection and prevention.
LexisNexis Risk SolutionsCollects information from public records and multiple proprietary data sources. This includes items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses on file.
SageStream (subsidiary of ID Analytics, LLC)This reporting company collects information from, and provides supplementary consumer reports to, auto lenders, credit card issuers, retailers, utilities and mobile phone service providers among other service providers. SageStream is a subsidiary of ID Analytics. ID Analytics is ownedby LexisNexis Risk Solutions.
National Consumer Telecom & Utilities Exchange (NCTUE)This membership of companies collects information on new telecom and utility connect requests, account and payment histories including delinquencies and charge-offs, associated with telecommunications, pay TV, and utility (electric, gas, water) services to help companies in these industries manage customer relations.
The Retail EquationMonitors and reports to merchants retail product return and exchange fraud and abuse.
NCC (National Cred-A-Chek, Inc.)Provides consumer data to help gaming establishments manage credit and fraud risks. NRT Technology Corp. owns NCC.
VIP PreferredProvides consumer data to assist casinos and other gaming establishments such as racetracks to manage the risk associated with checkcashing settlement services to consumers.
Search credit bureaus by company name or category.
List of credit bureaus in US. CFPB Consumer Reporting Companies List 2023
List of consumer reporting companies
Know your data. You have to ensure the data about you in the consumer reporting companies is accurate and complete.
The credit report is important for your credits. The main consumer reporting companies are : Equifax, TransUnion, and Experian but other companies also collect information about you to prepare consumer reports.
The credit history is especially important if you intend to purchase a home or car with credit, or apply for any credit in the future.
Consumer Finance
List of consumer reporting companies 2023
Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision-making situations.
Who can see your consumer reports
Consumer reporting companies must follow legal restrictions, but generally can provide consumer reports and risk scores to an array of businesses, including:
Lenders (including those that offer credit cards, home, payday, personal, title, auto including auto leasing, student loans, security deposit financing and lease guarantees on home rentals, and buy-now-pay-later (BNPL) products)
Employers and volunteer organizations (pre-employment screening and on-going employee monitoring)
Government agencies to determine eligibility for government assistance
Landlords and residential real estate management companies for short- and long-term residential property rentals (tenant screening)
Banks, credit unions, payment processors and retail stores that accept personal checks (check screening)
Companies that market and sell certain products and services specifically to lower-income consumers and subprime credit applicants, such as companies providing short-term lending and rent-to-own lending businesses among others
Debt buyers and debt collectors
Insurance companies (health, life, property insurance screening)
Telecommunication and utility companies (e.g., mobile phone, pay TV, electric, gas, water)
Retail stores for product return fraud and abuse screening as well as retail stores that offer financing such as appliance and rent-to-own businesses, among others
Gaming establishments and casinos that extend credit to consumers and/or accept personal checks
Who can check your credit report?
Employment screening, warn users of your about your reporting data check, but generally others don’t warn you when they’re about to take any action you based in your consumer report information.
Check your reports before making financial decisions. If you are applying for a job, an insurance policy, or a lease, you should check your background screening reports to ensure there are no errors before the procedure.
Identity theft. Check your reports if you think you may be a victim of identity theft.
Data breaches in companies with consumer reporting data.
Check your reports and consider blocking access to your consumer reporting data through a security freeze options.
Since 2019 all U.S. consumers may also request up to 6 free copies of their Equifax credit report during any 12 month period through December 2026 due a settlement. These free copies will be provided to you in addition to any other free reports to which you are entitled under federal law.

Credit Report Errors


How to dispute an error?
You have the right to dispute the information in your reports.
You can dispute the information in your consumer reports, if you find that you believe is inaccurate or incomplete.
You can claim the report’s content with the consumer reporting company and the company that shared the information with the consumer reporting company, such as your lender.
The companies must conduct a free of charge and a reasonable investigation of your dispute. Based in the FCRA rules.

Credit Bureau Complaints


You can submit a complaint if you have some problem about the information in your consumer report.
The Credit Bureau must handle first any consumer reporting complaints about report accuracy and completeness errors, credit repair services, and other consumer reporting topics.
If you are dissatisfied with the credit bureau and company’s investigation of the issue in dispute, or you believe that your consumer report was used improperly, or if you have problems getting access to your own consumer reports.
The Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.
Find People in USA
- Search People by Country, Name
Find Phones in USA
- Search Phone Numbers, Information and Phone Company Guides and White Pages
Archive National
List of national archives in USA with public information
Credit Bureau in USA
Who are the major credit bureaus in the country ? Find information in the list of Credit Bureau and Debt Collect Services by Country. Search Public Records Information in USA. What is a credit bureau?
National Registry
USA - Find Public Records and Information
Credit USA 2025
US to issue hydrogen credit rule this week, with path for nuclear, sources say Reuters
16 Credit Unions in the United States That Anyone can Join Business Insider
Commodity Credit Corporation | Home USDA.gov
Sports Illustrated names Simone Biles 2024 ‘Sportsperson of the Year’ Awful Announcing