Getting Credit Reports From Specialty Consumer Reporting Agencies

Here's how to get your credit report from the "other" credit bureaus.

Besides the three nationwide credit reporting agencies, there are also a number of nationwide specialty credit reporting agencies (also called specialty consumer reporting agencies). Getting your report from one of these agencies involves a different process than if you are requesting a report from Equifax, Experian, or Transunion.

What Is a Specialty Consumer Reporting Agency?

A specialty consumer reporting agency keeps records on particular types of transactions, such as

  • tenant histories
  • insurance claims
  • medical records or payments
  • employment histories, or
  • check writing.

Getting a Report From a Specialty Consumer Reporting Agency

In addition to your yearly free credit report from each of the regular nationwide credit reporting agencies, you are also entitled to a free credit report each year from each of the nationwide specialty credit reporting agencies.

To get your report, you must contact each agency individually—you may even need to call different phone numbers for different types of reports from the same agency. Unfortunately, you may not know which reporting agency a landlord, employer, or insurance company uses.

Major Nationwide Specialty Credit Reporting Agencies

Here are some of the main nationwide specialty credit reporting agencies: Lexis Nexis Personal Reports, Experian RentBureau, Medical Information Bureau, ISO, Telecheck, ChexSystems, and Certegy. (To learn more about each of these, and get contact information, see What Are Specialty Credit Reports and Investigative Reports?)

In addition, you can find a list of most credit reporting agencies in the country and their contact information, divided by type (medical, employment, tenant, insurance, and the like), on the Consumer Financial Protection Bureau’s website at www.consumerfinance.gov. Search for “how many consumer reporting companies are there,” and follow the link to the list.

Not all of the companies on the list provide free reports. If a company, such as a nationwide credit reporting agency or a specialty credit reporting agency, does provide one free report per year, the list will say so.

Talk to a Lawyer

Need a lawyer? Start here.

How it Works

  1. Briefly tell us about your case
  2. Provide your contact information
  3. Choose attorneys to contact you
NEED PROFESSIONAL HELP ?

Talk to a Debt Settlement Lawyer.

How It Works

  1. Briefly tell us about your case
  2. Provide your contact information
  3. Choose attorneys to contact you