Checked and up to date for 2025. Since these can be found each 12 months, it’s a good suggestion to verify these close to or across the similar time annually. Plenty of firms make their cash by amassing and promoting information – your private information. It may be important to know what they’re telling potential lenders, landlords, even employers about you. Underneath the FCRA and/or FACT Act, many client reporting companies (CRAs) at the moment are legally required to ship you a free copy of your report each 12 months, in addition to present a method to dispute incorrect data.
Some have an internet request kind, however some are purposefully making it more durable to verify your experiences by eradicating the web choice. Don’t be afraid to name them if wanted. You most likely gained’t wish to hassle checking all of them anyhow, however if you happen to’ve skilled any type of rejection or antagonistic motion in these areas the trigger is perhaps discovered inside one among these databases. Remember the fact that you could not have a file with all of those locations. Requesting a duplicate of your individual client experiences does not harm your credit score rating.
The Shopper Monetary Safety Bureau has been doing a greater job sustaining their very own complete record of CRAs (PDF model) not too long ago, so I’m modifying down this record to incorporate direct hyperlinks to the general classes together with the bigger and extra widely-used client reporting companies.
Credit score-Associated
Experian, Equifax, and TransUnion. The three main credit score bureaus monitor your credit score accounts, fee historical past, and different associated data like bankrupts and liens. Free on-line credit score experiences now accessible weekly (the frequency was elevated from annual to weekly throughout the COVID pandemic, however that change has been made everlasting).
(Observe: As a part of a class motion settlement, you may additionally request as much as six further free copies of your Equifax credit score report immediately from myEquifax throughout any 12-month interval by means of December 2026.)
You too can now freeze your credit score experiences without spending a dime, however it’s essential to contact every bureau individually. For the contact data, please see Large Listing of Methods To Shield Your Identification: Free Credit score Monitoring, Free Credit score Locks, and Free Credit score Freezes
LexisNexis. One of many largest private data databases that features public information, actual property transaction and possession information, lien, judgment, and chapter information, skilled license data, and historic addresses on file. Free copy, should mail in kind.
CoreLogic Credco. One of many largest credit-related CRAs and sometimes utilized by mortgage lenders, your CoreLogic Credco Shopper File can comprise: earlier homeownership and mortgage data, rental fee historical past, any reported delinquencies, and different debt obligations like baby help. Free copy as soon as each 12 months.
Banking-Associated
Chexsystems. A client data database utilized by an estimated 80-90% of all banks to assist decide the chance of opening new accounts. Consider it because the banks’ model of a credit score bureau. If an individual commits verify fraud or overdraws their account, it is going to be listed right here. As well as, the easy act of opening or closing a checking account could also be recorded of their database. Having a detrimental ChexSystems report can depart you blacklisted from opening financial institution accounts at most main banks. Free copy as soon as each 12 months. Now you can request your report on-line.
Subprime-Associated (Payday Lending)
Microbilt and subsidiary Cost Reporting Builds Credit score (PRBC). Microbilt is a supplier of credit score information for the “roughly 110 million underserved and underbanked customers in the US.” Free copy as soon as each 12 months.
Rental Historical past
Realpage (LeasingDesk) Shopper Report. Offers tenant screening by means of their LeasingDesk product, together with “the trade’s largest rental fee historical past database.”
CoreLogic SafeRent. SafeRent supplies each tenant and employment screening information, together with data relating to landlord tenant and felony public courtroom information. One free report each 12 months.
Experian RentBureau Rental Historical past Report. “Each 24 hours, Experian RentBureau receives up to date rental fee historical past information from property house owners/managers, digital hire fee providers and assortment firms and makes that data accessible instantly to the multifamily trade by means of our resident screening companions.”
TransUnion Rental Screening Options. SmartMove supplies tenant credit score, eviction, and background checks.
- MySmartMove.com FAQ web page
- SmartMove will disclose the contents of a felony and/or credit score report retained by SmartMove to a person who requests a duplicate of their report. To confirm your id and acquire a duplicate of your report(s) or dispute any data inside that report, please contact customer support at 866-775-0961.
Auto and Property Insurance coverage
C.L.U.E. Private Property Report. A division of LexisNexis, CLUE stands for Complete Loss Underwriting Change, which collects data that’s used to calculate your insurance coverage premiums. This report supplies a seven yr historical past of losses related to a person and his/her private property. Contains date of loss, loss sort, and quantity paid together with basic data equivalent to coverage quantity, declare quantity and insurance coverage firm title. This additionally means you could find out about earlier claims on the home you’re at the moment renting or not too long ago purchased, even when they weren’t made by you.
C.L.U.E. Auto Report. This report supplies a seven yr historical past of vehicle insurance coverage losses related to a person. Contains date of loss, loss sort, and quantity paid together with basic data equivalent to coverage quantity, declare quantity and insurance coverage firm title.
A-PLUS Loss Historical past Studies, subsidiary of Verisk. ISO stands for Insurance coverage Companies Workplace, A-PLUS stands for Automated Property Loss Underwriting System. Auto and property loss declare historical past.
Utilities
Nationwide Shopper Telecom and Utilities Change. NCTUE tracks when folks don’t pay their cellphone, cable, or utility payments. One free report each 12 months.
Retail
The Retail Equation. Tracks product return and trade abuse at retail retailers.
Medical Historical past
MIB (beforehand referred to as Medical Data Bureau). Run by 470 insurance coverage firms with a “major mission of detecting and deterring fraud which will happen in the middle of acquiring life, well being, incapacity earnings, important sickness, and long-term care insurance coverage.” They report data of “underwriting significance” like medical situations or hazardous actions. You probably have not utilized for individually underwritten life, well being, or incapacity earnings insurance coverage throughout the previous seven yr interval, you then most likely don’t have a report.
Milliman IntelliScript. Tracks your prescription drug buy historical past. “Milliman IntelliScript can have prescription details about you provided that you approved the discharge of your medical information to an insurance coverage firm and that firm requested that we collect a report on you.”
Employment Historical past / Background Checks
The next firms all supply background screening providers for employers. Most won’t have any details about you until you approved a possible employer to run a background verify on you (most likely throughout the utility course of). Some won’t present you data until there was antagonistic motion. In any other case, you may get one free copy each 12 months. There are a LOT extra of those firms within the full record linked above.
The Work Quantity (division of Equifax). Additionally they hold historic earnings information.
Backgroundchecks.com
Checkr
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