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Credit Insights · Specialty reporting

Beyond the Big Three: 50 Specialty Consumer Reporting Agencies, Ranked by Priority

A consumer guide to alternative data, banking, tenant, employment, insurance and specialty reporting.

Beyond the Big Three: Equifax, Experian and TransUnion surrounded by twelve specialty reporting agencies, including LexisNexis, Innovis and ChexSystems.

Equifax, Experian and TransUnion are not the only companies that may hold information about consumers. Specialty consumer reporting companies can maintain information used for banking, housing, employment, insurance and other decisions.

The Fair Credit Reporting Act (FCRA) gives consumers important rights to access and dispute covered consumer reports. Many specialty reporting companies must provide a free file disclosure upon request, subject to applicable law and exceptions. Security freezes are available for certain types of reports, but not every company offers the same freeze procedure.

How to use this guide: The ranking below is an editorial, situation-based priority order—not a CFPB ranking or a statement that every listed company operates as a consumer reporting agency in every context. Start with the categories relevant to your circumstances. Some companies are verification platforms or service providers rather than standalone specialty bureaus.

Address verification notice: The addresses below were supplied for this guide and have not been individually verified against current company or CFPB records. Names, ownership, mailing destinations and disclosure procedures can change. Before mailing identification documents or disputes, confirm the current consumer-contact instructions through the company's official site or the CFPB directory.

Tier 1: Core Supplemental & Banking History

High priority for banking, identity verification, and suspected identity theft.

  1. Innovis
    Mailing address supplied: Innovis Consumer Assistance, P.O. Box 1358, Columbus, OH 43216-1358
  2. Early Warning Services (EWS)
    Mailing address supplied: Early Warning Services, LLC, Attn: Consumer Services, 5801 S. Pima Rd., Scottsdale, AZ 85250
  3. ChexSystems
    Mailing address supplied: Chex Systems, Inc., Attn: Consumer Relations, 7805 Hudson Rd., Suite 100, Woodbury, MN 55125
  4. LexisNexis Risk Solutions
    Mailing address supplied: LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108
  5. NCTUE
    Mailing address supplied: NCTUE Exchange, P.O. Box 105161, Atlanta, GA 30348
  6. SageStream
    Mailing address supplied: SageStream, LLC, Consumer Support, P.O. Box 105108, Atlanta, GA 30348
  7. Certegy Check Services
    Mailing address supplied: Certegy Check Services, Attn: Consumer Services, P.O. Box 30046, Tampa, FL 33630
  8. TeleCheck Services
    Mailing address supplied: TeleCheck Services, Inc., Attn: Consumer Services, P.O. Box 6806, Hagerstown, MD 21741-6806

Tier 2: Subprime & Alternative Lending

Medium-high priority if you have used short-term or specialty lending products.

  1. Clarity Services
    Mailing address supplied: Clarity Services, P.O. Box 16, Allen, TX 75013
  2. FactorTrust
    Mailing address supplied: FactorTrust, Inc., Attn: Consumer Inquiry Department, P.O. Box 365, Woodbury, MN 55125
  3. DataX
    Mailing address supplied: DataX, Ltd., Attn: Consumer Inquiry Department, P.O. Box 105072, Atlanta, GA 30348
  4. MicroBilt / iPredict
    Mailing address supplied: MicroBilt Corporation, Attn: Consumer Affairs Department, P.O. Box 440693, Kennesaw, GA 30160
  5. Teletrack
    Mailing address supplied: CoreLogic Teletrack, P.O. Box 105281, Atlanta, GA 30348

Tier 3: Tenant Screening & Rental Bureaus

Prioritize before submitting a rental application.

  1. RealPage / LeasingDesk
    Mailing address supplied: RealPage, Inc., Attn: Consumer Relations, 2201 Lakeside Blvd., Richardson, TX 75082
  2. RentGrow
    Mailing address supplied: RentGrow, Inc., Consumer Relations, 177 Huntington Ave., Suite 1703, #74213, Boston, MA 02115
  3. TransUnion Rental Screening Solutions (SmartMove)
    Mailing address supplied: TransUnion Rental Screening Solutions, Inc., Consumer Disputes, P.O. Box 800, Woodbury, MN 55125
  4. Experian RentBureau
    Mailing address supplied: Experian RentBureau, P.O. Box 26, Allen, TX 75013
  5. SafeRent Solutions
    Mailing address supplied: SafeRent Solutions, Consumer Relations Department, P.O. Box 3826, Suwanee, GA 30024
  6. Contemporary Information Corp. (CIC)
    Mailing address supplied: CIC Consumer Relations, 427 Racetrack Rd. NW, Suite A, Fort Walton Beach, FL 32547
  7. AppFolio
    Mailing address supplied: AppFolio, Inc., Attn: Consumer Relations, 50 Castilian Dr., Santa Barbara, CA 93117
  8. AmRent
    Mailing address supplied: AmRent Consumer Assistance, P.O. Box 105293, Atlanta, GA 30348
  9. Screening Reports
    Mailing address supplied: Screening Reports, Inc., 220 Congress Park Dr., Suite 212, Delray Beach, FL 33445
  10. First Advantage Resident History
    Mailing address supplied: First Advantage Consumer Center, P.O. Box 105292, Atlanta, GA 30348

Tier 4: Employment History & Income Screeners

Prioritize before background checks or employment verification.

  1. The Work Number
    Mailing address supplied: Equifax Workforce Solutions, Attn: EWS Consumer Operations, P.O. Box 66731, St. Louis, MO 63166
  2. Experian Verify
    Mailing address supplied: Experian Verify Consumer Support, P.O. Box 16, Allen, TX 75013
  3. Checkr
    Mailing address supplied: Checkr, Inc., Attn: Consumer Support, One Montgomery St., Suite 2000, San Francisco, CA 94104
  4. HireRight
    Mailing address supplied: HireRight, Attn: Consumer Dispute Team, 14201 Wireless Way, Suite 200, Oklahoma City, OK 73134
  5. Sterling
    Mailing address supplied: Sterling Infosystems, Inc., Attn: Consumer Support, P.O. Box 3690, New York, NY 10116
  6. Accurate Background
    Mailing address supplied: Accurate Background, LLC, Consumer Disputes, 7515 Irvine Center Dr., Irvine, CA 92618
  7. Truework
    Mailing address supplied: Truework Consumer Support, 49 Geary St., Suite 400, San Francisco, CA 94108
  8. Certiphi Screening
    Mailing address supplied: Certiphi Screening, Consumer Disputes Department, P.O. Box 411, Southampton, PA 18966
  9. Cisive
    Mailing address supplied: Cisive, Attn: Consumer Dispute Department, 5000 S. Towne Dr., New Berlin, WI 53151
  10. ADP Screening and Selection Services
    Mailing address supplied: ADP Screening and Selection Services, 301 Remington St., Fort Collins, CO 80524
  11. Asurint
    Mailing address supplied: Asurint, Attn: Compliance Department, 1111 Superior Ave., Suite 2200, Cleveland, OH 44114
  12. DISA Global Solutions
    Mailing address supplied: DISA Global Solutions, Attn: Consumer Operations, 10900 Corporate Centre Dr., Suite 250, Houston, TX 77041
  13. IntelliCorp
    Mailing address supplied: IntelliCorp Records, Inc., Attn: Compliance Department, 3000 Auburn Dr., Suite 410, Beachwood, OH 44122
  14. Universal Background Screening
    Mailing address supplied: Universal Background Screening, P.O. Box 53009, Phoenix, AZ 85072-3009
  15. CCC Verify
    Mailing address supplied: CCC Verify, Care of Corporate Cost Control, 100 Summit Lake Dr., Suite 100, Valhalla, NY 10595
  16. Pinwheel
    Mailing address supplied: Pinwheel Consumer Support, 251 Little Falls Dr., Wilmington, DE 19808
  17. EmpInfo
    Mailing address supplied: EmpInfo, Inc., Consumer Relations, 2033 Gateway Pl., Suite 500, San Jose, CA 95110

Tier 5: Insurance Loss & Medical Underwriting

Prioritize when applying for auto, property, life, or other insurance.

  1. LexisNexis C.L.U.E.
    Mailing address supplied: LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108
  2. Verisk Analytics / A-PLUS
    Mailing address supplied: Verisk Consumer Inquiry Center, P.O. Box 5406, Cherry Hill, NJ 08034
  3. MIB, LLC
    Mailing address supplied: MIB, LLC, Consumer Information Center, P.O. Box 105, Essex Station, Boston, MA 02112
  4. Milliman IntelliScript
    Mailing address supplied: Milliman IntelliScript, P.O. Box 241945, Milwaukee, WI 53224
  5. Drivers History
    Mailing address supplied: Drivers History Consumer Center, P.O. Box 105108, Atlanta, GA 30348
  6. Insurance Information Exchange (iiX)
    Mailing address supplied: iiX Consumer Relations, 1716 Briarcrest Dr., Suite 200, Bryan, TX 77802
  7. Arity
    Mailing address supplied: Arity, LLC, Consumer Relations, 222 W Merchandise Mart Plaza, Suite 875, Chicago, IL 60654

Tier 6: Retail Protection & Casino Gaming

Niche priority when a particular transaction or screening issue arises.

  1. The Retail Equation
    Mailing address supplied: The Retail Equation, Attn: Return Activity Report, P.O. Box 51373, Irvine, CA 92619-1373
  2. Central Credit
    Mailing address supplied: Central Credit, LLC, Attn: Consumer Relations, P.O. Box 98512, Las Vegas, NV 89193
  3. VIP Preferred / Global Payments Gaming Solutions
    Mailing address supplied: Global Payments Gaming Services, Attn: Consumer Disputes, 10700 W. Charleston Blvd., Las Vegas, NV 89135

How to request your file or dispute an error

Identify which company may have been used, consult its current disclosure instructions, and request your consumer file if applicable. Review the information carefully. If you find something inaccurate or incomplete, send a specific dispute with supporting documentation and keep copies of your correspondence. For suspected identity theft, ask which security freeze or fraud-prevention options are available for that particular database.

Official reference: CFPB List of Consumer Reporting Companies.

Educational information only, not individualized legal or financial advice. The company list and contact information should be checked before use.

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