Every loan application, rental agreement, even a video game subscription, contributes to your file in shadowy consumer reporting companies (CRCs). These reports influence various aspects of your life, from securing a loan to finding an apartment. While they serve a purpose, understanding and managing your information within them is crucial for financial health and privacy.
Removing yourself from CRCs isn’t always a walk in the park. Each company has its own process, often hidden in legalese.
Know Your Rights: The Fair Credit Reporting Act (FCRA) is your bible. It grants you access to your reports and the right to dispute inaccuracies. Brush up on your FCRA knowledge before entering the battlefield.
Direct Approach: Most CRCs have online portals for requesting information and disputing errors.
Removal doesn’t guarantee complete erasure: Public records and certain data might remain.
Weigh the consequences: Removing yourself from certain reports can have unintended effects. Research before taking action.
| Company Name | Category | Website |
|---|---|---|
| Equifax | Nationwide | equifax.com |
| Experian | Nationwide | experian.com |
| TransUnion | Nationwide | transunion.com |
| Accurate Background | Employment Screening | accurate.com |
| ADP Screening & Selection Services, Inc. | Employment Screening | adpselect.com |
| Asurint | Employment Screening | asurint.com |
| backgroundchecks.com | Employment Screening | backgroundchecks.com |
| Blend Insights | Employment Screening | blend.com |
| CCC Verify | Employment Screening | cccverify.com |
| Checkr | Employment Screening | checkr.com |
| Certiphi | Employment Screening | certiphi.com |
| Cisive | Employment Screening | cisive.com |
| DISA Global Solutions, Inc | Employment Screening | disa.com |
| EmpInfo | Employment Screening | empinfo.com |
| Experian Verify | Employment Screening | experianverify.com |
| First Advantage Corporation | Employment Screening | FADV.com |
| HireRight | Employment Screening | hireright.com |
| Info Cubic | employment Screening | infocubic.com |
| IntelliCorp | Employment Screening | intellicorp.net |
| OPENonline | Employment Screening | OPENonline.com |
| Pinwheel | Employment Screening | pinwheelapi.com |
| Pre-employ.com | Employment Screening | pre-employ.com |
| Social Intelligence | Employment Screening | socialintel.com |
| Sterling | Employment Screening | sterlingcheck.com |
| Truework | Employment Screening | truework.com |
| The Work Number | Employment Screening | TheWorkNumber.com |
| Universal Background Screening | Employment Screening | universalbackground.com |
| AmRent | Tennant Screening | amrent.com/services.html |
| AppFolio | Tennant Screening | appfolio.com/consumer |
| Contemporary Information Corp. (CIC) | Tennant Screening | CICreports.com |
| SafeRent Solutions, LLC | Tennant Screening | saferentsolutions.com |
| Experian RentBureau | Tennant Screening | experian.com/rentbureau |
| First Advantage Corporation Resident Solutions | Tennant Screening | FADV.com |
| Real Page, Inc. (LeasingDesk) | Tennant Screening | RealPage.com |
| RentGrow, Inc | Tennant Screening | rentgrow.com |
| Screening Reports, Inc. | Tennant Screening | ScreeningReports.com |
| TransUnion Rental Screening Solutions, Inc. | Tennant Screening | mysmartmove.com |
| Certegy Payment Solutions, LLC | Check and Bank Screening | AskCertegy.com |
| Chex Systems | Check and Bank Screening | chexsystems.com |
| CrossCheck, Inc | Check and Bank Screening | cross-check.com |
| Early Warning Services | Check and Bank Screening | Earlywarning.com |
| Global Payments Check Services, Inc | Check and Bank Screening | Globalpaymentsinc.com |
| TeleCheck Services | Check and Bank Screening | getassistance.telecheck.com |
| A-PLUS Property (by Verisk) | Personal Property Insurance | https://fcra.verisk.com/#/ |
| LexisNexis C.L.U.E. (Auto & Property Reports) | Personal Property Insurance | https://consumer.risk.lexisnexis.com/consumer |
| Drivers History | Personal Property Insurance | drivershistory.com |
| Insurance Information Exchange (iiX) | Personal Property Insurance | iiX.com |
| MIB, Inc. | Medical | MIB.com |
| Milliman IntelliScript | Medical | RxHistories.com |
| Clarity Services | Low-income and subprime | ClarityServices.com |
| Teletrack | Low-income and subprime | CoreLogic.com/teletrack |
| DataX | Low-income and subprime | DataX.com |
| FactorTrust | Low-income and subprime | factortrust.com |
| MicroBilt | Low-income and subprime | microbilt.com |
| Teletrack | Low-income and subprime | consumers.teletrack.com |
| Advanced Resolution Services | Supplementary Reports | ars-consumeroffice.com |
| Innovis | Supplementary Reports | Innovis.com |
| LexisNexis Risk Solutions | Supplementary Reports | consumer.risk.lexisnexis.com |
| SageStream | Supplementary Reports | http://www.sagestreamllc.com/ |
| National Consumer Telecom & Utilities Exchange | Utilities | NCTUE.com |
| The Retail Equation | Retail | theretailequation.com |
| NCC (National Cred-A-Chek, Inc.) | Gaming | nccreports.com |
| VIP Preferred | Gaming | vippreferred.com |