Specialty Reporting Agencies. Who They Are & Why You Should Care

Specialty Reporting Agencies. Who They Are & Why You Should Care

Did you know there are close to a dozen firms that collect & share your data. Here’s a guide to everything you need to know on these often overlooked credit bureaus reporting firms.

Specialty Reporting Agencies

When taking on the arduous process of fixing your credit, it is important to not only fix what is reporting on your credit reports with the three major credit reporting agencies, but it is just as important to know what the consumer reporting agencies are saying about you as well.

Not only that, but before shopping for necessities, such as, private medical, auto, homeowner’s, disability, long-term care insurance, rental property, auto loans, consumer loans, installment loans, etc. you should know what information potential lenders will be looking for before approving your application.

RESIDENTIAL & TENANT REPORTS

Most consumers have no clue what reports potential landlords & property management companies will pull when you submit an application. You can be proactive prior to completing the application and ask for the name of the screening agency that they use so you can order a copy of such report. It is your right to request a free copy of these reports once every twelve months. Below are some of the screening agencies that may be used:

Contemporary Information Corp. (CIC) –

Conduct background screening for landlords & property management companies, providing information the includes evictions & criminal background data.

To request a copy of this report:

Phone – (800) 288-4757 option 5

Website – http://www.CICreports.com

CIC Reports Consumer Relations

42913 Capital Drive, Unit 1D

Lancaster, CA 93535


CoreLogic Safe Rent –

Used to identify landlord-tenant actions, like prior evictions, address history, public background check (to identify prior criminal & court judgments, including prior prison sentences, presence on government managed sex offender & terrorist databases.

To request a copy of this report:

Phone – (888) 333-2413

CoreLogic Safe Rent, LLC.

Consumer Relations Dept.

P.O. Box 509124

San Diego, CA 92150


Experian Rent Bureau –

Used to collect rent payment history, electronic rent payments & collection companies. It excludes derogatory rental data because debt collectors already report that data.

To request a copy of this report:

Phone – (877) 704-4519

Website – http://www.experian.com/rentbureau

Experian Rent Bureau

P.O. Box 26

Allen, TX 75013


First Advantage Corporation Resident History Report –

Provides background screening.

To request a copy of this report:

Phone – (888) 215-3727

Website – http://www.FADV.com

First Advantage Consumer Center

P.O. Box 105292

Atlanta, GA 30348-5292


Leasing Desk (Real Page, Inc) –

Provides data for tenant screening.

To request a copy of this report:

Phone – (866) 934-1124

Website – http://www.realpage.com

Real Page, Inc.

Leasing Desk Consumer Relations

4000 International Parkway

Carrollton, TX 75007


Screening Reports, Inc. –

Provides background screening services nationally to the multifamily housing industry used by affordable, conventional & student housing properties. Services consist of previous rental verification & employment verification, consumer credit reports, landlord-tenant eviction reports, criminal reports, sex offender reports & foreign asset compliance (OFAC search).

To request a copy of this report:

Phone – (866) 389-4042

Website – http://www.screeningreports.com

Screening Reports, Inc.

220 Gerry Drive

Wood Dale, IL 60191


Tenant Data Services –

Provides rental performance history, like data on damages, unauthorized pets, lease violations & missed payments.

To request a copy of this report:

Phone – (800) 228-1837 option 6

Personal Report Request

Tenant Data Services, Inc.

P.O. Box 5404

Lincoln, NE 68505-0404


Experian Rent Bureau –

Used to collect rent payment history, electronic rent payments & collection companies. It excludes derogatory rental data because debt collectors already report that data

To request a copy of this report:

Phone: (877) 704-4519

Website: http://www.experian.com/rentbureau

Experian Rent Bureau

P.O. Box 26

Allen, TX 75013


Transunion Rental Screening Solutions –

Collects & provides tenant screening & verification data for independent landlords & residential estate management companies.

To request a copy of this report:

Phone – (888) 387-1750 or (866) 775-0961

Website – http://www.mysmartmove.com

Transunion Rental Screening Solutions, Inc.

Attn: Escalations Dept

6430 South Fiddlers

Green Circle, Suite 500

Greenwood Village, CO 80111


PAYDAY LOAN, CHECK CASHING, RTO REPORTS

Have you ever taken out a payday loan, used a check cashing service or leased furniture or electronics from a rent-to-own store? If so, you may want to consider obtaining these reports:

Clarity Services –

Collects & provides information on payday loans, installment loans, auto loans & leasing, check cashing services, rent-to-own transactions, telecommunication account openings & financial services with an emphasis on low-income & subprime consumers.

To request a copy of this report:

Phone – (866) 390-3118

Website – http://www.clarityservices.com

Clarity Services

P.O. Box 5717

Clearwater, FL 33758


DataX

Collects payment history regarding subprime consumers.

To request a copy of this report:

Phone – (800) 295-4790

Website – http://www.datax.com

DataX, Ltd.

Attn: Customer Service

325 E. Warm Springs Rd., Suite 202

Las Vegas, NV 89119


Factor Trust –

Collects loan performance information on under-banked consumers to provide predictive credit data, analytics & risk scoring solutions to short-term lenders, installment lenders, non-prime auto lenders & leasing companies & other subprime credit providers.

To request a copy of this report:

Phone – (866) 910-8497

Website – http://www.factortrust.com

Factor Trust, Inc.

P.O. Box 3653

Alpharetta, GA 30023


MicroBilt/PRBC –

Provides consumer credit information, bill payment information, employment information, back account data, property records, court judgments, address & phone information on low-income & subprime consumers to businesses that offer short-term, rent-to-own, auto, retail & consumer finance lending.

To request a copy of this report:

Phone – (888) 222-7621

Website – http://www.PRBCMicrobilt.com

MicroBilt/PRBC

Attn: Compliance Dept.

P.O. Box 440693

Kennesaw, GA 30160


CoreLogic Teletrack –

Provides data to payday lenders, rent-to-own businesses, furniture stores that offer financing, auto finance & leasing companies, high risk consumer finance businesses, subprime home lending businesses, subprime credit card issuers, bank, credit unions, cable/telecom companies & debt buyers.

Teletrack is affiliated with CoreLogic.

To request a copy of this report:

Phone: (877) 309-5226

Website: http://www.teletrack.com

CoreLogic Teletrack

Attn: Consumer Disputes Dept.

P.O. Box 509124

San Diego, CA 92150


INSURANCE REPORTS

If you are shopping for new homeowner’s or auto insurance, you may want to order a copy of your CLUE (LexisNexis) report or A-Plus (Verisk) report, especially if you’ve filed a claim on existing policies to ensure the information reported is accurate.

Did you know that even calling your insurance agent to ask a question could result in a “black mark” to your CLUE or A-Plus report? You may want to order one of each of the following, to ensure these types of inquiries are removed:

LexisNexis (CLUE report)

Phone – (866) 312-8076

Website – http://www.personalreports.lexisnexis.com

LexisNexis Consumer Center

C.L.U.E. Inc.

P.O. Box 105295

Atlanta, GA 30348-5295


Insurance Services Office, Inc. (ISO)(A-Plus Property Reports)

Phone – (800) 709-8842

A-Plus Consumer Inquiry Center (ISO)

545 Washington Blvd., FL 22

Jersey City, NJ 07310-1686


Medical Information Bureau Report

If you are applying for private life, long-term are or disability insurance, you may want to order your MIB (formerly known as the Medical Information Bureau) report. If there is erroneous information reporting, you’d want to ensure it is corrected before applying.

The MIB Group Inc.

compiles & maintain records concerning individual life, health, long-term care & disability insurance. Generally, you will only have a MIB file if you have applied for one of these insurance products within the last seven years & only if you’ve applied as an individual rather than as a member of a group.

To request a copy of this report:

Phone – (866) 692-6901

Website – http://www.MIB.com

MIB, Inc.

50 Braintree Hill Park, Suite 400

Braintree, MA 02184


Prescription History

IntelliScript

Reports prescription drug purchase history to insurance companies. This is primarily used when consumers are seeking private health, life or disability insurance.

To request a copy of this report:

Phone – (877) 211-4816

Website – http://www.RXHistories.com

Milliman IntelliScript

15800 Bluemound Rd., Suite 100

Brookfield, WI 53005


Quest Diagnostics ScriptCheck

also reports prescription drug purchase history to insurance companies & is used when applying for insurance.

To request a copy of this report:

Phone – (844) 255-8047


Conclusion

It is vital that you are clear about what these reporting agencies are saying about you because it could affect your ability to obtain financing & services. If you find erroneous errors on these reports, you should report them accordingly, but not all of these agencies are held to the consumer rights as defined by the FCRA. Those that lead deny coverage or increase premiums, which trigger consumer rights be upheld by the FCRA are related to certain healthcare coverage.

The information provided in this post can be further researched here & here.

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