List of Credit Report Agencies

credit scores from all 3 bureaus

Credit report agencies are in demand nowadays because there is a need to keep track of one’s credit. That is why the government has found ways to oversee the organized and safe regulation of credit reports.

In accordance with the Fair Credit Reporting Act, which is a provision of the law regulating the “ collection, dissemination and use of consumer information, including consumer credit information”, the government has provided for credit report agencies to give individuals with their credit reports.

The government has gone as far as to mobilize companies to gather credit information of the consumer with utmost confidentiality and even authorized the big three consumer reporting agencies only to furnish individuals with their credit reports annually for free, in a nationwide scale.

Government Authorized Free Credit Report credit report agenciesAgencies

TransUnion
It is a company that has been in the business of credit and information management for more than 40 years. It has more or less 45,000 customers in five continents and around 500 million consumers and businesses all over the world. They operate under the laws but have also voluntarily taken the initiative to improve client service. They aim for accuracy, privacy and consumer relations.

Equifax
They empower their customers by producing reliable information. It is also a global leader in information, it is equipped with impressive analytics and amazing technology. It has been serving consumers for over 100 years, having been business for that long it has gathered enough insight as to how to best serve their consumers. They empower individuals to be able to handle their credit data, safeguard their identity, and optimize their financial well-being.

Experian
This is the last but not the least of the government authorized credit report agencies, they offer various service option such as Experian Credit Report, Experian Credit Score, All 3 Bureau Credit Reports, Email Alerts On Key Changes, Credit Score Tracking, and Daily Internet ID tracking for more or less $13 to $40 a month.

Other Authorized Credit Report Agencies

There are actually other authorized credit report agencies besides the ones mentioned above, and they are usually geared towards a specific niche, these are:

Compunet Credit Reports
It is the credit bureau for the trucking industry. It provides cross-referenced affiliates and detailed report, exact days to pay with graph and average, complaints of non-payment, and Dun and Bradstreet data upon request.

Creditntell.com
They specialize in public and private retail businesses like footwear, electronic, apparel, auto parts, department stores, drug stores and others. It has services like executive portfolio report, future outlook analysis, web conferences, credit rating change alert, industry credit scoring reports, executive review, crystal insights, custom financial research, quicklook, insolvency support and credit facility database.

F & D Reports
It focuses on food and drug manufacturing and distributing industries. It offers services like personal insights, telephone alerts, executive consultations, PCG emails or special analysis, web conferences or educational programs, privately held company reports, private company overviews, food service and sector reports, and customer and market insights.

Lyon Credit Services
It is a company that has existed for more than 130 years, it has gained enough experience to proudly claim that it is a leading company among credit report agencies. It mainly focuses in home furnishings and gift wares but since it also has a partnership with Equifax Credit Information Services, it is able to provide a more comprehensive and in-depth credit report.

Due to the enactment of the law providing for credit report agencies, there have been a lot of companies emerging geared towards credit reporting. Nonetheless, one must always be careful and vigilant in detecting whether a company is a fraud or not. To be safe, verify if the company is registered under the government first, before choosing among the many credit report agencies.

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