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 (Equifax, Experian, and Transunion), a number of nationwide specialty credit reporting agencies also exist. Getting your report from one of these agencies involves a different process than if you are requesting a credit report from Equifax, Experian, or Transunion.

What Is a Specialty Consumer Reporting Agency?

Specialty credit reporting agencies—also called specialty consumer reporting agencies—keep records on particular types of transactions, like:

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

How to Get a Free Report From a Specialty Consumer Reporting Agency

In addition to your yearly free credit report from each of the major nationwide credit reporting agencies, you may also get a free credit report each year from each of the nationwide specialty credit reporting agencies. Though, getting your report from one of these specialty agencies involves a different process than if you're requesting a report from Equifax, Experian, or Transunion, which you can do by going to www.annualcreditreport.com.

To get a specialty credit report, you’ll have to contact each agency individually.

Contact Information for the Nationwide Specialty Credit Reporting Agencies

A few of the main nationwide specialty credit reporting agencies are Lexis Nexis Personal Reports, Experian RentBureau, Medical Information Bureau, ISO, Telecheck, ChexSystems, and Certegy. You can get a list of most credit reporting agencies and contact information for those agencies, categorized by type—like medical, employment, tenant, insurance, and so forth—from the Consumer Financial Protection Bureau.

Not all of the companies on the list provide free reports. If a company does provide one free report per year, the list will say so.

Getting More Information

To get general information about credit reports and credit scores, see Credit Reports and Credit Scores: What’s the Difference? Also, learn how to dispute errors and inaccuracies in a credit report.

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