All 54 agencies — not just the big three

Nationwide CRA

P.O. Box 740256, Atlanta, GA 30374

1-800-685-1111

Nationwide consumer reporting agency. Dispute under FCRA 611 / 623.

Nationwide CRA

P.O. Box 4500, Allen, TX 75013

1-888-397-3742

Nationwide consumer reporting agency. Dispute under FCRA 611 / 623.

Nationwide CRA

P.O. Box 2000, Chester, PA 19016-2000

1-800-916-8800

Nationwide consumer reporting agency. Dispute under FCRA 611 / 623.

Fourth bureau

P.O. Box 1640, Pittsburgh, PA 15230-1640

1-800-540-2505

The 'fourth bureau'. Frequently ignored — always include it.

Data broker / public records

P.O. Box 105108, Atlanta, GA 30348-5108

1-888-497-0011

Feeds bankruptcies, judgments, liens, evictions and addresses to the big three.

Alternative credit bureau

P.O. Box 503793, San Diego, CA 92150

1-888-395-0277

Alternative-data bureau used heavily in auto and card underwriting.

Alternative credit bureau

P.O. Box 5455, Pleasanton, CA 94566

1-800-392-8911

Resells tri-merge data; dispute directly to break the chain.

Mortgage / rental data

P.O. Box 509124, San Diego, CA 92150

1-877-532-8778

Mortgage tri-merge reseller. Critical before any home loan.

Tenant screening

P.O. Box 509124, San Diego, CA 92150

1-888-333-2413

Tenant screening file. Disputes must be honored under FCRA 611.

Banking / deposit accounts

7805 Hudson Road, Suite 100, Woodbury, MN 55125

1-800-513-7125

Blocks checking/savings approvals. Dispute NSF and forced-closure entries.

Banking / deposit accounts

16552 N. 90th St., Suite 100, Scottsdale, AZ 85260

1-800-325-7775

Bank-owned consortium behind Zelle and account-opening decisions.

Check acceptance

P.O. Box 4514, Houston, TX 77210-4514

1-800-366-2425

Check-writing history file used at point of sale.

Check acceptance

P.O. Box 30046, Tampa, FL 33630-3046

1-800-237-3826

Second major check-acceptance database.

Subprime lending

P.O. Box 5717, Clearwater, FL 33758

1-866-390-3118

Subprime / payday inquiry and loan history.

Subprime lending

P.O. Box 1740, Greenville, SC 29602

1-866-910-8497

Alternative lending bureau feeding TransUnion.

Subprime lending

8515 E. Anderson Dr., Scottsdale, AZ 85255

1-800-295-4790

Short-term lending data feeding Equifax.

Subprime lending

P.O. Box 742, Monroe, LA 71210

Consumer finance / installment lender exchange.

Alternative data

1640 Airport Rd., Suite 115, Kennesaw, GA 30144

1-800-884-4747

Bill-payment reporting and alternative credit scoring.

Utility / telecom

P.O. Box 105561, Atlanta, GA 30348

1-866-349-5185

Utility and telecom account history. Often hides unpaid-service claims.

Insurance / medical

50 Braintree Hill Park, Suite 400, Braintree, MA 02184

1-866-692-6901

Life/health insurance application history. HIPAA + FCRA overlap.

Insurance / medical

15800 W. Bluemound Rd., Suite 100, Brookfield, WI 53005

1-877-211-4816

Prescription history report. Demand HIPAA authorization audit.

Insurance / medical

2525 Lake Park Blvd., Salt Lake City, UT 84120

1-800-401-0632

Prescription-drug purchase history sold to insurers.

Insurance claims

545 Washington Blvd., Jersey City, NJ 07310

1-800-627-3487

Property and auto claims history driving premium decisions.

Insurance claims

P.O. Box 105108, Atlanta, GA 30348-5108

1-888-497-0011

Comprehensive Loss Underwriting Exchange — auto and property claims.

Identity / addresses

P.O. Box 105108, Atlanta, GA 30348-5108

Where wrong names, aliases, addresses and employers originate.

Regional reseller

P.O. Box 100, San Antonio, TX 78291

1-800-527-2440

Regional tri-merge reseller for lenders and landlords.

Mortgage reseller

250 E. Broad St., Suite 1000, Columbus, OH 43215

1-800-260-3626

Mortgage credit reseller. Dispute before underwriting pulls.

Mortgage reseller

5200 Hahns Peak Dr., Loveland, CO 80538

1-800-929-3400

Mortgage verification and credit reseller.

Mortgage reseller

31550 Winterplace Pkwy, Salisbury, MD 21804

1-800-258-3488

Mortgage credit reseller and rescoring vendor.

Tenant screening

P.O. Box 26, Allen, TX 75013

1-877-704-4519

Rental payment history reported to Experian.

Tenant screening

P.O. Box 1029, Norfolk, NE 68702

1-800-228-1837

Landlord-reported eviction and balance claims.

Tenant screening

2201 Lakeside Blvd., Richardson, TX 75082

1-866-934-1124

Screening scores used by large apartment operators.

Tenant / employment

42913 Capital Dr., Suite 101, Lancaster, CA 93535

1-800-288-4757

Tenant and employment background reports.

Employment / income

P.O. Box 105068, Atlanta, GA 30348

1-866-604-6570

Employer, salary and employment-date file. Freeze and dispute errors.

Employment screening

One Montgomery St., Suite 2000, San Francisco, CA 94104

1-844-824-3247

Gig-economy background screening. FCRA adverse-action rules apply.

Employment screening

P.O. Box 33181, Tulsa, OK 74153

1-800-381-0645

Employment background reports with dispute rights under FCRA 611.

Employment screening

1 State Street, 24th Floor, New York, NY 10004

1-855-889-5341

Employment screening consumer file.

Employment screening

P.O. Box 105292, Atlanta, GA 30348

1-800-845-6004

Background and criminal-record reseller.

Employment screening

7515 Irvine Center Dr., Irvine, CA 92618

1-800-216-8024

Employment screening file with FCRA dispute rights.

Employment screening

999 18th St., Suite 3000, Denver, CO 80202

Secondary background screening vendor.

Insurance scoring

P.O. Box 105108, Atlanta, GA 30348-5108

Credit-based insurance score. ECOA notice rules apply.

Driving records

P.O. Box 105108, Atlanta, GA 30348-5108

MVR data resold to insurers and employers.

Auto

5860 Trinity Pkwy, Suite 600, Centreville, VA 20120

1-888-422-7329

Vehicle history affecting auto loan and insurance terms.

Identity / fraud

P.O. Box 9554, Allen, TX 75013

Fraud-flag file that can silently block approvals.

Identity / fraud

P.O. Box 105108, Atlanta, GA 30348-5108

1-888-497-0011

Identity-risk scoring built from application data.

Utility / telecom

P.O. Box 740256, Atlanta, GA 30374

Separate telecom/utility file distinct from the main credit file.

Reseller network

701 E. Irving Park Rd., Suite 306, Roselle, IL 60172

Reseller trade group; send notice to break downstream copies.

Employment screening

5100 Tamiami Trail N., Suite 108, Naples, FL 34103

Employment and licensing verification file.

Employment screening

P.O. Box 493368, Redding, CA 96049

Background screening reseller.

Employment screening

9350 S. 150 E., Suite 350, Sandy, UT 84070

Tenant and employment screening reports.

Tenant screening

P.O. Box 5000, Palm Desert, CA 92260

Landlord screening reports and eviction data.

Tenant screening

P.O. Box 507, Trevose, PA 19053

Rental screening consumer file.

Tenant screening

P.O. Box 2000, Chester, PA 19016

Rental scoring product built off the TransUnion file.

Medical data

50 Braintree Hill Park, Suite 400, Braintree, MA 02184

Medical underwriting data — pair FCRA with HIPAA demands.