Complete List of Credit Reporting Agencies (Updated for 2025)
When most people think of “credit reporting,” they think of Experian, TransUnion, and Equifax. But these are only three of hundreds of consumer reporting agencies (CRAs) operating in the U.S. today. Many of these companies have more influence over your daily life than the major bureaus, deciding whether you get a job, an apartment, insurance, utilities, banking access, or even certain medical services.
Because these companies hold so much power, incorrect information in any of their reports can damage your life in seconds. A single outdated criminal record, mixed-file error, or false debt can cost you a job, deny you housing, raise your insurance premiums, or destroy your credit.
Francis Mailman Soumilas, P.C. has been holding these companies accountable for over 27 years.
If you found an error on any of your reports or if a background check, tenant screening, or credit file cost you an opportunity, you can request a free case review today.
Quick Summary
There are far more credit reporting agencies than the three major bureaus. Each company on this page links to a dedicated resource explaining:
- What the company does
- The types of data it collects
- How to request your report
- How to dispute errors
- When you may have the right to sue under the FCRA
If you believe a report from any CRA is wrong, outdated, or causing harm, our legal team can help.
How to Use This List
This page is your complete hub for understanding every major category of consumer reporting in the United States. To use it:
- Find the category that applies to your situation: employment, tenant screening, banking, insurance, etc.
- Click the company name to open a full guide with dispute instructions and your legal options.
- Follow the dispute steps to request your file, challenge incorrect data, and document the process.
- Reach out, or fill out the free case review form if the company does not fix the problem. Under the Fair Credit Reporting Act, you may be entitled to compensation if a CRA fails to correct errors or damages your life through negligent or reckless reporting.
Every linked page is written to help you understand your rights, your next steps, and how our firm can protect you.
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.
Our firm has won landmark FCRA cases and has secured millions for consumers whose lives were disrupted by these companies.
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.
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 (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
- Reference Services, Inc. (RSI)
- ScreeningOne
- SentryLink
- Shadow Trackers
- SingleSource
- StarPoint Screening
- Sterling Talent Solutions
- TC Index
- Trackers (Trak-1 Technology)
- Trak 1 Technology
- TrueScreen
- Truework
- Turn Technologies, Inc.
- Universal Background Screening
- Verifications, 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.
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.
Personal Property Insurance
Used to set auto, property, and personal insurance rates. Incorrect loss history or claim data can dramatically increase your premiums.
Low Income and Subprime
These companies compile alternative financial data for people with limited credit histories. Errors here can block access to essential services.
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.
Medical Reporting Agencies
Used by insurers and underwriters to assess risk. Incorrect prescription histories or medical data can result in unfair denials.
Utilities & Telecom Reporting Agencies
Used to set deposits and service eligibility for utilities, cable, internet, wireless plans, and more.
Retail & Gaming Reporting Agencies
Used by casinos, specialty retailers, and fraud-prevention systems. Errors here can lead to service denials or account closures.
Gaming
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 information
You don’t need to fight these companies alone. And you don’t have to guess whether you have a case, our team can quickly tell you.
Free Case Review
Our law firm has sued nearly every major CRA listed on this page.
If a reporting agency harmed you through inaccurate or unlawful reporting, we may be able to help you recover damages. Get a FREE CASE REVIEW Now.
Frequently Asked Questions
Why are there so many credit reporting agencies?
Because different industries rely on different types of information. Employment screening, housing, banking, insurance, and utilities all use separate reporting systems, and each uses different CRAs.
Do I have the right to see my report from these smaller companies?
Yes. Any CRA that stores information about you must provide a copy of your report upon request.
Can errors in specialty credit reports really cost me opportunities?
Absolutely. Many consumers lose jobs, housing, and services because of mistakes in these lesser-known databases.
Can I dispute errors with any company on this list?
Yes. Each linked page explains how to request your file and dispute inaccurate information.
When can I sue a credit reporting agency?
You may have a case if a CRA refuses to fix errors, fails to investigate your dispute, mixes you with someone else, reports expunged or outdated records, or causes financial or emotional harm.
