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Consumer reporting agencies (CRAs) are entities that collect and maintain consumer credit information, which is used by lenders, landlords, employers, and other entities to assess an individual's creditworthiness. While the "Big Three" credit bureaus—Equifax, Experian, and TransUnion—are the most well-known CRAs, there are several others that specialize in different types of consumer data. Here's a comprehensive list of consumer reporting agencies:

  • Equifax: One of the three major credit reporting agencies, Equifax provides credit reports and scores to consumers and businesses.

  • Experian: Another major credit bureau, Experian offers credit reports, scores, and other credit-related products.

  • TransUnion: The third major credit reporting agency, TransUnion provides credit reports and credit monitoring services.

  • Innovis: A lesser-known credit bureau, Innovis also provides credit reports and related services to consumers and businesses.

  • CoreLogic: Specializes in property data, analytics, and services for mortgage lenders, insurance companies, and other industries.

  • LexisNexis Risk Solutions: Offers risk management and information services to various industries, including insurance, financial services, and government agencies.

  • Clarity Services: Focuses on alternative credit data, providing reports and scores for underbanked and subprime consumers.

  • ChexSystems: Maintains information on consumers' banking history, particularly related to checking and savings accounts.

  • Early Warning Services: Specializes in fraud prevention and risk management for financial institutions.

  • Teletrack: Provides consumer credit reports and risk management solutions, particularly for non-traditional lenders such as payday lenders and rent-to-own stores.

  • FactorTrust: Offers alternative credit data and analytics for lenders to assess credit risk, especially for underserved consumers.

  • MicroBilt: Provides alternative credit data, background screening, and risk management solutions for businesses.

  • National Consumer Telecom & Utilities Exchange (NCTUE): Maintains data on consumers' telecommunications and utility payment history.

  • SageStream: Offers credit reporting and risk management solutions, particularly focusing on alternative credit data.

  • The Work Number: Maintains employment and income verification data for use by employers and lenders.

A Complete List Of Consumer Reporting Agencies

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