Complete List of Credit Reporting Agencies (Updated for 2026)

Most of us know or have heard of the three large credit bureaus, Experian, TransUnion, and Equifax, but did you know the list of credit reporting agencies (CRAs) is much larger than just those three? Many businesses contact consumer reporting companies for pre-employment screening, loan and credit card approvals, rental agreements, insurance premiums, and more. With so many businesses making decisions about you and your finances based on the information in your credit report, it is extremely important that the information is accurate. Credit reporting errors can be very damaging and costly.
When the information in your consumer report is incorrect, you have the right to get it corrected. Below is a comprehensive list of CRAs.

List of Consumer Reporting Agencies

Nationwide Credit Reporting Companies

These are the major bureaus that maintain your credit history and credit scores. Errors here can affect loans, credit cards, mortgages, auto financing, and more.

• CSC Credit Services
• Credit Technologies
• Equifax
• Experian
• Global Payments
• Trans Union

Employment Screening Companies

Used for hiring, promotions, security clearances, and professional licensing. Outdated charges, mixed identities, and expunged records frequently appear in these reports.

• AccuFacts
• Accurate Background
• AccurateNow (formerly Hirease)
• Accurint LexisNexis
• A-Check America
• ADP Screening and Selection Services
• Advanced Background Services
• American DataBank
• Applicant Insight
• Asurint Background Screening Solutions
• BackGroundChecks.com
• Background Information Services (BIS)
• Background Investigation Bureau (BIB)
• Background Network
• Background Screeners of America
• Blend Insights
• Business Information Group (BIG)
• CastleBranch
• CCC Verify
• Certiphi Screening
• Checkr
• ClearStar
• Cisive
• CrimCheck
• Criminal 411
• CriminalWatchDog
• DISA Global Solutions, Inc
• Driver iQ
• Drivers History by TransUnion
• EmpInfo
• Employment Screening Resources (ESR)
• EmployeeScreenIQ
• Experian Verify
• EZScreen
• Fama Technologies (formerly Social Intelligence)
• Ferretly
• First Advantage Background Screening
• General Information Services, Inc. (GIS)
• GoodHire
• Hirease (a.k.a. AccurateNow)
• HireRight Solutions, Inc.
• Hero Backgrounds
• Info Cubic
• Insight Worldwide, Inc.
• Integrascan
• IntelliCorp
• ISO
• JDP (JD Palatine)
• Justifacts
• Kroll
• Kroll Background America (KBA)
• National Background Data
• National Student Clearinghouse
• OPENonline
• PeopleFacts
• PeopleWise
• Pinwheel
• Pre-employ.com
• Professional Screening & Information, Inc.
• Real Id, Inc
• Reliantcy Inc.
• Reference Services, Inc. (RSI)
• ScreeningOne
• SentryLink
• Shadow Trackers
• SingleSource
• StarPoint Screening
• Sterling Talent Solutions
• Trackers (Trak-1 Technology)
• Trak 1 Technology
• TrueScreen
• Truework
• Turn Technologies, Inc.
• Universal Background Screening
• Verification Services Inc.
• Verisys ReferencePro
• Vertical Screen, Inc.
• Wackenhut
• The Work Number

Tenant Screening

Landlords and property managers use these to approve or deny rental applications. Mistaken evictions, wrong criminal records, or false debts can cost you housing.

• Advanced Background Services
• AmRent
• AmerUSA
• AppFolio
• Contemporary Information Corp (CIC)
• CoreLogic Rental Property Solutions
• Experian RentBureau
• First Advantage Corporation Resident Solutions
• LeasingDesk by RealPage, Inc.
• MyScreeningReport
• National Tenant Network (NTN)
• On-Site by RealPage, Inc.
• Real Id, Inc
• RealPage
• RentGrow by Yardi
• RentSpree
• Resident Verify by Entrata
• SafeRent Solutions, LLC
• Screening Reports, Inc.
• SmartMove by TURSS
• StarPoint Screening
• Tenant Data Services
• TransUnion Rental Screening Solutions, Inc. (TURSS)
• TurboTenant Screening

Check and Bank Screening

Banks and retailers use these to determine whether they will open an account or accept checks. Errors can result in accounts being closed or denied.

• CheckCare
• Chex Systems
• CrossCheck
• Early Warning Services, LLC / Early Warning Systems (EWS)
• EZCheck
• First American Payment Systems
• Global eTelecom (GETI)
• Global Payments Check Services, Inc.
• TeleCheck Services, Inc.

Personal Property Insurance

Used to set auto, property, and personal insurance rates. Incorrect loss history or claim data can dramatically increase your premiums.

• A-PLUS Property (by Verisk)
• Arity – Mobility Data
• C.L.U.E. Inc. (Personal Property & Auto Reports) LexisNexis
• Connected Analytic Services
• Deposit Payment Protection Services (SCAN)
• Drivers History
• First American Financial Corporation
• Florida MVR Services
• Insurance Information Exchange
• Insurance Services Office, Inc.(ISO) (A-PLUS Property Reports)
• National Insurance Crime Bureau (NICB) – IL
• National Insurance Crime Bureau (NICB) – VA
• TML Information Services

Low Income and Subprime

These companies compile alternative financial data for people with limited credit histories. Errors here can block access to essential services.

• Clarity Services
• DataX, Ltd
• FactorTrust, Inc.
• PRBC/MicroBilt
• Teletrack

Supplementary/Alternative Credit Reports

Provide identity verification, background screening, fraud detection, and data analytics. Errors may affect job offers, housing, financial services, or government programs.

• A-PLUS Personal Lines Loss History Solutions by Verisk
• Avantus
• ChoicePoint
• Collection Resources
• CreditIQ Credit Report by CoreLogic Credo
• Factual Data
• FirstPoint
• Inflection Risk Solutions
• Innovis
• LexisNexis Risk Solutions
• MicroBilt
• SageStream, LLC

Medical Reporting Agencies

Used by insurers and underwriters to assess risk. Incorrect prescription histories or medical data can result in unfair denials.

• ExamOne / ScriptCheck
• MIB, Inc.
• Milliman Intelliscript

Utilities & Telecom Reporting Agencies

Used to set deposits and service eligibility for utilities, cable, internet, wireless plans, and more.

• National Consumer Telecom & Utilities Exchange

Retail & Gaming Reporting Agencies

Used by casinos, specialty retailers, and fraud-prevention systems. Errors here can lead to service denials or account closures.

• CardService International
• The Retail Equation

Gaming

• Central Credit
• Certegy Gaming Services
• NCC (National Cred-A-Chek, Inc.)
• VIP Preferred by Global Payments Direct

What Is a Consumer Reporting Agency (CRA)?

A consumer reporting agency is any business that assembles or sells information about you to another party for decisions involving:

• Employment
• Housing
• Credit
• Banking
• Insurance
• Identity verification
• Government benefits
• Professional licensing
• Utilities and telecommunications

CRAs collect data from courts, databases, third-party data brokers, financial institutions, employers, and public records. Not all CRAs follow the same standards, and not all follow the law. That’s where the Fair Credit Reporting Act (FCRA) comes in.

Your Rights Under the Fair Credit Reporting Act

Under the FCRA, you have legal rights that many people don’t know about:

• You have the right to request your file. – Any CRA maintaining information about you must provide you with a copy of your report upon request.
• You have the right to dispute inaccurate information. – If information is incomplete, outdated, mismatched, or false, the company must investigate.
• They must fix errors quickly. – CRAs usually have 30 days to correct inaccurate information or delete it.
• You may be entitled to damages if they fail. – If a CRA refuses to fix errors, performs a careless investigation, or causes financial or emotional harm, you may be able to sue and recover compensation.

When to Contact a Lawyer

You should reach out immediately if:

• A background check cost you a job or promotion
• A tenant screening report caused a housing denial
• A credit report error hurt your ability to get approved
• A CRA refused to correct or investigate your dispute
• You were told you have an eviction, debt, or criminal record that isn’t yours
• A specialty reporting agency sent out false or outdated informatio