What is a Consumer Reporting Agency?

The term "consumer reporting agencies" is a statutory term defined by the Fair Credit Reporting Act (the "FCRA"). Consumer reporting agencies are often referred to as "credit bureaus" or "credit reporting agencies." Under the FCRA, a consumer reporting agency is a company that collects information and provide reports on consumers that are most often used to decide whether to provide consumers credit, insurance or employment. The following is a list of companies that identify themselves as consumer reporting agencies:

National Consumer Reporting Agencies

• Equifax

• Experian

• Trans Union

Credit Report Resellers

• CoreScore Credit Report (aka Credco)

• ID Analytics

• Innovis

• L2C

• SettlementOne Credit

• ACRAnet

• Statewide Credit Services

Employment Screening/History Reports

• Accurate Background

• American DataBank

• EmployeeScreenIQ

• First Advantage

• GIS

• HireRight

• Infocubic

• Intellicorp

• Lexis Nexis Screening Solutions

• Pre-employ.com

• Trak 1 Technology

• Verifications Inc

• The Work Number

• Sterling Information Systems

• Insurance History Reports