Alternative credit bureaus gather data from various sources to furnish additional consumer reports to a wide array of entities such as auto lenders, credit card issuers, retailers, utilities, and mobile phone service providers, among others. These bureaus may also aggregate information from public records and diverse proprietary databases, encompassing real estate transactions, ownership records, liens, judgments, bankruptcy filings, professional licenses, and historical personal data.

Clarity Services, Inc.

Website
Access Your Clarity Report Online
Access Your Clarity Score Online
Initiate a Clarity Credit Freeze Online
Opt Out of Clarity Online
Phone: 866-390-3118 (Option 1 for security freeze; Option 4 for report request)
Address:
Clarity Services, Inc.
Consumer Support Division
P.O. Box 16
Allen, TX 75013

 

DataX

Website
Request DataX Report Form
Phone: 800-295-4790
Address:
DataX, Ltd.
P.O. Box 740125
Atlanta, GA 30374

 

FactorTrust

Website
Request FactorTrust Report Online
Request FactorTrust Report Form
Phone: 844-773-3321
Address:
FactorTrust, Inc.
Attn: Consumer Inquiries
P.O. Box 390
Woodlyn, PA 19094

 

MicroBilt

Website
Request Microbilt Report Form
Dispute FactorTrust Report Form
Phone: 888-222-7621 or 800-884-4747 (Option 5)
Address:
MicroBilt
Attn: Consumer Affairs Department
P.O. Box 440693
Kennesaw, GA 30160

 

Teletrack

Website
Request Teletrack Report Form
Request Teletrack Security Freeze Online
Phone: 877-309-5226
Address:
Teletrack
P.O. Box 740008
Atlanta, GA 30374

 

Advanced Resolution Services

Website
Request Advanced Resolution Services Security Freeze Online
Phone: 800-392-8911
Address:
Advanced Resolution Services, Inc.
P.O. Box 4000
Conway, AR 72033

 

CoreLogic Credco

Website
Phone: 800-637-2422
Address:
Credco
Consumer ServicesDepartment
P.O. Box 509124
San Diego, CA 92150

 

Innovis

Website
Request Innovis Credit Report Online
Request Innovis Report Form
Request Innovis Security Freeze Online
Phone: 800-540-2505 or 866-712-0021
Address:
Innovis Consumer Assistance
P.O. Box 530089
Atlanta, GA 30353-0089

 

LexisNexis Risk Solutions

Website
Request Lexis Nexis Report Online
Lexis Nexis Online Opt Out
Request Lexis Nexis Security Freeze
Phone: 866-897-8126
Address:
LexisNexis Risk Solutions
Consumer Center
P.O. Box 105108
Atlanta, GA30348-5108

 

SageStream, LLC

Website
Phone: 888-395-0277
Address:
SageStream, LLC
LexisNexis Risk
Solutions Consumer
Center
P.O. Box 105108
Atlanta, GA 30348-5108

Check and bank account history bureaus collect bank and check writing histories, provide check and ACH verification services, checking account applications, openings, and closures, including reasons for account closure.

Banks and credit unions use check and bank screening reports to help decide whether to offer consumers a checking account or to cash their checks.

For example, a cosumer may have negative information in their report if they had a checking account before and had an unpaid negative balance on that account, such as from an overdraft that had not repaid, if the account was closed by the bank,
or if they were suspected of fraud related to the account.

Certegy Payment Solutions, LLC

Website
Request Certegy Report Online
Certegy Report Request Form
Phone: 800-237-3826
Address:
Certegy Payment Solutions, LLC
Attn: CFDR Request
P.O. Box 908
Grand Junction, CO 81502

 

ChexSystems, Inc

Website
Request ChexSystems Report Online
Dispute ChexSystems Report Online
Phone: 800-428-9623
Address:
ChexSystems, Inc.
Attn: Consumer Relations
P.O. Box 583399
Minneapolis, MN 55458

 

CrossCheck, Inc.

Website
Request CrossCheck Report Online
Phone: 800-843-0760
Address:
CrossCheck, Inc.
Attn: Consumer Inquiry Department
P.O. Box 6008
Petaluma, CA 94955-6008

 

Early Warning Services, LLC

Website
Early Warning Report Request Form
Phone: 800-745-1560
Address:
Early Warning
Attn: Consumer Services Department
16552 North 90th Street
Scottsdale, AZ 85260

 

Global Payments Check Services LLC

Website
Request Global Payments Report Form
Phone: 800-638-4600 (Ext. 410)
Address:
Global Payments Check Services LLC
Attn: FACT ACT Support
P.O. Box 480357
Niles, IL 60714-0357

 

TeleCheck Services, Inc.

Website
Request TeleCheck Services Report Online
Dispute TeleCheck Services Report Online
Phone: 800-366-2425
Address:
TeleCheck Services, Inc.
Attn: Consumer Resolution Services
P.O. Box 6806
Hagerstown, MD 21741-6806

Insurance history bureaus collect auto, home, and personal property insurance claim history, motor vehicle records, including traffic violation data. Insurance companies use reports from these bureaus to help inform pricing and make underwriting decisions.

A-PLUS Property (by Verisk)

Website
Request A-PLUS/Verisk Auto Report Online
Request A-PLUS/Verisk Property Report Online
Request A-PLUS/Verisk Insurance Coverage History Report Online
Phone: 800-627-3487 (Option 2) or 800-709-8842
Address:
Verisk Insurance Solutions
Consumer Inquiry Center
P.O. Box 5404
Mt. Laurel, NJ 08054

 

Drivers History

Website
Phone: 855-694-1555
Address:
Drivers History
Consumer Relations
P.O. Box 600
Woodlyn, PA 19094

 

Insurance Information Exchange (iiX)

Website
Request iiX Report Form
Phone: 800-683-8553 (Option 6)
Address:
Insurance Information Exchange (iiX)
Attn: Compliance Dept.
1574 Crescent Pointe Pkwy
College Station, TX 77845

 

LexisNexis C.L.U.E. (Auto & Property Reports)

Website
Request Lexis Nexis Report Online
Lexis Nexis Online Opt Out
Request Lexis Nexis Security Freeze
Phone: 866-897-8126
Address:
LexisNexis Risk Solutions
Consumer Center
P.O. Box 105108
Atlanta, GA30348-5108

Rental history bureaus provide information such as rental payment history, eviction information, credit history, identity verification, income and employment verification, and criminal background data to landlords, property management companies, and others.

A rental history report with negative information in it, such as prior housing evictions, could result in being rejected for an apartment or could result in a higher security deposit or multiple months of rent paid in advance.

AmRent

Website
AmRent Report Request Form
AmRent Dispute Form
Phone: 888-898-6196
Address:
AmRent Consumer Assistance
PO Box 530091
Atlanta, GA 30353

 

AppFolio, Inc.

Website
AppFolio Report Request Form
Phone: 866-359-3630
Address:
AppFolio Consumer Relations
70 Castilian Drive
Goleta, CA 93117

 

Contemporary Information Corp. (CIC)

Website
Phone: 888-316-4242
Address:
CIC Consumer Relations
3700 Crestwood Pkwy, #300
Duluth, GA 30096

 

Experian RentBureau

Website
Experian RentBureau Report Request Form
Phone: 877-704-4519
Address:
Experian RentBureau
P.O. Box 26
Allen, TX 75013

 

First Advantage Resident Solutions

Website
First Advantage Report Request Form
Phone: 800-845-6004
Address:
First Advantage Consumer Center
P.O. Box 105292
Atlanta, GA30348-5292

 

Real Page, Inc. (LeasingDesk)

Website
Request Real Page (LeasingDesk) Report
Dispute Real Page (LeasingDesk) Report
Phone: 866-934-1124
Address:
LeasingDesk Screening
Attn: Leasing Desk Screening Consumer
Relations
2201 Lakeside Blvd.
Richardson, TX 75082

 

RentGrow, Inc.

Website
Request RentGrow Report
Dispute RentGrow Report
Phone: 800-898-1351
Address:
RentGrowConsumer Relations
117 Huntington Avenue
Suite 1703 #74213
Boston, MA 02115

 

SafeRent Solutions

Website
SafeRent Report Request Form
SafeRent Dispute Request Form
Phone: 888-333-2413
Address:
SafeRent Solutions
Consumer Relations
P.O. Box 3890
Coppell, TX 75019

 

Screening Reports, Inc.

Website
Phone: 866-389-4042
Address:
Screening Reports, Inc.
220 Gerry Drive
Wood Dale, IL 60191

 

TransUnion Rental Screening Solutions Inc. (TransUnion SmartMove)

Website
TransUnion Smartmove FAQ
Phone: 866-775-0961 (Option 4)
Address:
TransUnion Rental Screening Solutions, Inc.
6430 South Fiddlers Green Circle
Suite 500
Greenwood Village, CO 80111

Employment and background history bureaus provide information such as credit history, employment,
salary, and education and professional license verification to employers and others

They may also provide residential address history, Social Security Number verification; criminal arrest and conviction
information, as well as fingerprint information from state and federal criminal record databases such as status on global watchlists, motor vehicle and driver’s record information; drug and alcohol testing and health screening information.

Accurate Background

Get Accurate Report Online: https://www.accurate.com/my-background-check/
Dispute Accurate Report Online: https://www.accurate.com/file-a-dispute/
Phone: 800-784-3911
Address:
Accurate Background, Inc.
7515 Irvine Center Drive
Irvine, CA 92618

 

ADP Screening & Selection Services, Inc.

Get ADP Report Online: adpselect.com
– Click on “Applicant Resources”
– Then click on “Request a Free Copy of Background Report”
Dispute ADP Report Online: adpselect.com
– Click on “Applicant Resources”
– Then click on “Dispute a Background Report”
Phone: 888-606-7868 (Option 2)
Address:
ADP Screening & Selection Services, Inc.
Attn: Compliance
301 Remington Street
Fort Collins, CO 80524

 

Asurint

Get Asurint Report Online: https://www.asurint.com/contact?message-type=CandidateRequestaCopyofYourReport
Dispute Asurint Report Online: https://www.asurint.com/contact?message-type=CandidatesDisputeYourReport
Phone: 800-906-2034
Address:
Asurint
P.O. Box 14730
Cleveland, OH 44114

 

Backgroundchecks.com

Website: backgroundchecks.com
Dispute backgroundchecks.com Report Online: https://www.backgroundchecks.com/disputes
Phone: 866-265-6602
Address:
backgroundchecks.com
Attn: Consumer Relations
Department
P.O. Box 353
Chapin, SC 29036

 

CCC Verify

Website: CCCVerify.com
Phone: 855-901-3099
Address:
Attn: Verifications
Corporate Cost Control
50 Nashua Road
Londonderry, NH 03053

 

Certiphi

Website: https://www.certiphi.com/fact-act/
– Click on “REQUEST/DISPUTE MY REPORT”
Phone: 888-260-1370
Address:
Consumer Care Department
P.O. Box 541
Southampton, PA 18966

 

Checkr

Request report information online: https://candidate.checkr.com/login#login
Phone: 844-824-3257
Address:
Checkr, Inc.
Attn: Privacy Questions
One Montgomery Street
Suite 2400
San Francisco, CA 94104

 

Cisive

Request Cisive Report Online: https://www2.cisive.com/request-copy-my-report
Dispute Cisive Report Online: https://www.cisive.com/support/dispute-a-background-report
Phone: 855-881-0716
Address:
Cisive
5000 Corporate Ct
Suite 203
Holtsville, NY 11742

 

DISA Global Solutions, Inc.

Request DISA Report Online: https://disaworks.disa.com/#/background-request/request-copy
Phone: 281-673-2400
Address:
Disa Global Solutions, Inc.
10900 Corporate Centre Dr
Suite 250
Houston, TX 77041

 

EmpInfo, Inc.

Request EmpInfo Report Online: https://www.empinfo.com/employee/
Phone: 800-274-9694
Address:
EmpInfo
5900 Silver Creek Valley Road
San Jose, CA 95138

 

First Advantage Corporation

Website: https://fadv.com/candidates/
Phone: 800-845-6004
Address:
First Advantage Consumer
Center
P.O. Box 105292
Atlanta, GA 30348-5292

 

HireRight

Website: https://support.hireright.com/north-america-568ca8b6/2-during-your-background-check-e444f90d/1-how-to-check-on-the-status-of-your-background-report-18a759cd
Phone: 866-521-6995
Address:
HireRight
Attn: Consumers Department
14002 E. 21st Street
Suite 1200
Tulsa, OK 74134

 

Info Cubic, LLC

Request Credit Report and Dispute Online: https://infocubic.com/resources/applicant-resources
Phone: 303-220-0169
Address:
Info Cubic, LLC
Attn: Applicant Services
116 Inverness Dr. East
Suite 525
Englewood, CO 80112

 

IntelliCorp

Request IntelliCorp Report Online: https://consumer.intellicorp.net/
Request IntelliCorp Report via Mail: https://www.intellicorp.net/marketing/IntelliCorp/media/intellicorp/Content-Block-Files/CopyRequestForm2023.pdf
Dispute IntelliCorp Report via Mail: https://www.intellicorp.net/marketing/IntelliCorp/media/intellicorp/Content-Block-Files/ReinvestigationRequestForm2023.pdf
Phone: 888-946-8355
Address:
IntelliCorp Records, Inc.
Attn: Compliance Department
3000 Auburn Drive
Suite 410
Beachwood, OH 44122

 

OPENonline

Request OPENonline Report Online: https://services.openonline.com/Pages/Compliance/RequestInformation.aspx
Phone: 888-381-5656
Address:
OPENonline
Attn: Compliance
7127 South Riverside Pkwy
Tulsa, OK 74136

 

Pre-employ.com

Request Pre-employ.com Report: https://www.pre-employ.com/consumer-resource-information/
Dispute Pre-employ.com Report Online: https://candidate.odyssey.jdp.com/dispute_intake_form.aspx
Phone: 800-300-1821 (Ext. 139)
Address:
Pre-employ.com, Inc.
Attn: Compliance Department
P.O. Box 491570
Redding, CA 96049

 

Social Intelligence

Website: https://www.socialintel.com/
Request Social Intelligence Report: https://fama.io/privacy-policy
Phone: 888-748-3281
Address:
Social Intelligence Corp.
735 State Street
Suite 211
Santa Barbara, CA 93101

 

Sterling

Request Sterling Credit Report: https://www.sterlingcheck.com/about-sterling/fact-act-disclosure/
Phone: 888-889-5248
Address:
Sterling
Attn: Consumer Reports
4511 Rockside Road
Independence, OH 44131

 

The Work Number

Website: https://theworknumber.com/
Phone: 866-222-5880 or 866-604-6570
Address:
Equifax Workforce Solutions
Attn: EDR
3470 Rider Trail South
Earth City, MO 63045

 

Truework

Website: https://www.truework.com/solutions/employees
Phone: 833-878-3967
Address:
Truework
325 Pacific Avenue
San Francisco, CA 94111

 

Experian Verify

Website: https://www.experian.com/employer-services/products/verification-fulfillment/experian-verify
Phone: 404-382-5400
Address:
P.O. Box 1971
Woodstock, GA 30188

 

Universal Background Screening

Website: https://universalbackground.com/
Phone: 877-263-8033 (Option 2)
Address:
Universal Background Screening
P.O. Box 5920
Scottsdale, AZ 85261

Utility history bureaus collect and share information on new telecom and utility connection requests, paid-as-agreed and past-due account and payment histories including delinquencies and charge-offs, associated with telecommunications, pay TV, and utility (electric, gas, water) services.

National Consumer Telecom & Utilities Exchange (NCTUE)

Website
Phone:
866-349-5185 (Order Report)
866-343-2821 (Dispute Report)
866-349-5355 (Add a Security Freeze)
Address:
NCTUE Disclosure Report
Exchange Service
Center – NCTUE
P.O. Box 105161
Atlanta, GA 30348

Retail history bureaus monitor consumer product returns, exchanges, and suspected fraud or abuse.

The Retail Equation

Website
Phone: 800-652-2331
Address:
The Retail Equation
P.O. Box 51373
Irvine, CA 92619-1373

Gaming history bureaus provide consumer data to assist casinos and other gaming establishments manage credit, fraud, and risk associated with check-cashing settlement services to consumers.

NCC (National Cred-A-Chek, Inc.)

Website
Request NCC Report Online
Phone: 800-421-2168
Address:
National Cred-A-Chek
3770 4th Ave
San Diego, CA 92103

 

VIP Preferred

Website
Form to Request VIP Preferred Report
Phone: 800-638-4600 (Ext. 410)
Address:
Global Payments Gaming
Services, Inc.
Attn: FACT ACT Support
P.O. Box 480357
Niles, IL 60714-0357

Medical history bureaus collect information about medical conditions and hazardous avocations. They report this information to life and health insurance companies to assess your risk and eligibility during the underwriting of individual life, health, disability income, critical illness, and long-term care insurance policies.

Medical history bureaus may also collect prescription drug purchase history for quantifying the relative mortality risk of life insurance applicants and provide risk scores for underwriting decisions.

MIB, Inc.

Website
Request MIB Medical Report Online
Phone: 866-692-6901
Address:
MIB, Inc.
50 Braintree Hill Park
Suite 400
Braintree, MA 02184-8734

 

Milliman IntelliScript

Website
Request Millman Medical Report Online
Phone: 877-211-4816
Address:
Milliman IntelliScript
P.O. Box 2223
Brookfield, WI53008