Directory of companies offering consumer credit reports and credit check services. Hire providers of consumer credit reports to perform a credit history check on a potential customer or tenant.
Purchasing Resources for Consumer Credit Reports
View Your Credit Report Instantly. Based on Data from 3 Credit Bureaus
Official Site. See Your Credit Report in Seconds!
Includes All 3 Credit Scores. Fast, Secure. See Online Instantly.
Free and Fast Credit Score. Total Protection From All 3 Bureaus
Equifax®: Try a 30 Day Free Trial. Get Lost Wallet & ID Protection!
Credit Report and Score Services - NextAdvisor.com
Compare credit report services and read reviews. Detailed reviews of the best credit report and score services including the FICO score.
CreditScore.net Provides consumers with information covering all aspects of the credit reporting industry through its guide on credit scores its blog.
Consumer information offering guides and advice on retrieving, understanding and improving your credit score.
Offering financial articles and resources such as how to obtain your credit report and credit score at no cost.
Consumer guide relating to the credit reporting industry and ways to maintain a good credit score.
Provides consumers with information on how to obtain a free credit report along with advice on how to manage credit scores.
Offers easy to understand credit scores and credit monitoring. Monthly and annual credit reports help identify and prevent identity theft.
Houston, Texas-based company that provides employee and tenant screening, credit reports, business reports, and driving records services for clients nationwide.
Online finance directory: Credit card search, credit report, debt consolidation, merchant service, student loan, business financing, mortgage and more.
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Consumer Credit Reports
Make sure your credit history is the best it can be using your own credit reportBy Greg Brown A clean, accurate consumer credit report is your key to the best rate for that home, car or student loan, and what you'll pay for using a credit card. However, if your consumer credit report is poor or has mistakes made by past lenders, your standing with banks and credit card companies could be compromised. It's important to learn how to get your own consumer credit reports, how to demand changes in your credit report, and how consumer credit reports are constructed in the first place. In this guide, you'll learn:
1. Consumer credit report basics.
2. How to get a free credit report.
3. How to demand changes in your credit report, if needed.
4. Scams and bad deals in consumer credit reports.
Learn the lingo on your consumer credit report statement
Although consumer credit reports can be long and quite complex at first blush, they are not impossible to understand. Besides basic identifying information about you -- employment, addresses and your Social Security Number -- there is a list of your credit accounts, both open and closed. Then information on how often you have asked for credit, and if you owe anything besides ordinary credit, like liens or judgments. All this together creates your FICO, or credit score.
Try:
Discover how to read your consumer credit report with a credit report guide at TrueCredit.
Get your free credit report
As you might imagine, there are dozens of Web sites purporting to provide you with a "free" credit report. Most try to suck you into paying a needless monthly fee for access to your own information. While not illegal per se (they are providing a faster service), most ordinary consumers can wait 30 days for a copy of their consumer credit reports in the mail from the credit bureaus.
Try:
The only legitimate free credit report site is AnnualCreditReport.com. It was created by the three major U.S. credit bureaus in order to comply with U.S. law requiring a free credit report annually to all consumers.
Ask for changes in your consumer credit report if you find mistakes
It's good practice to ask for and then carefully review the free credit report you get to find any mistakes, like misspelled names, wrong addresses and, most importantly, accounts you don't remember or loans that appear open but you know are satisfied.
Try:
The Federal Trade Commission suggests you do it in writing and even provides a sample letter. Each of the three credit bureaus, Transunion, Equifax and Experian, offers dispute resolution online as well.
Watch out for consumer credit report scams
Watch out for "credit repair" agencies; for the most part, the work they do is simple and not worth what they charge. Some web sites that offer help with your consumer credit report are actually hawking alternative credit cards at usurious rates. Some, too, simply try to gather enough of your personal data to steal your identity outright.
Try:
The Federal Trade Commission has a page on how you can legally improve your credit, on your own with no expensive outside help, as well as a good page on how to recognize credit report scams.
- Your FICO or credit score can be viewed on your credit report and is a calculation of your credit behavior. Improve your behavior, your score will rise. No one else can quickly raise your FICO score for you.
- If you decide to order a free credit report, lock it away or shred it once you are done reviewing it. Identity thieves would love all that data on you on one page.
- If a past debt is paid, your former lenders will happily provide a satisfaction letter if you request it, or otherwise inform the credit bureau and it will be taken off your credit report.
View Your Credit Report Instantly. Based on Data from 3 Credit Bureaus
Official Site. See Your Credit Report in Seconds!
Includes All 3 Credit Scores. Fast, Secure. See Online Instantly.
Free and Fast Credit Score. Total Protection From All 3 Bureaus
Equifax®: Try a 30 Day Free Trial. Get Lost Wallet & ID Protection!
Accufax Division of Southvest, Inc.
Nationwide business credit services, tenant screening, and personality profiles.
Whitehouse Station, New Jersey-based company that offers nationwide credit checks for real estate professionals, landlords, and business people.
Agency based in San Gabriel, California, that offers credit reporting services.
Business Products Credit Association (BPCA)
BPCA is a national industry specific provider of credit information,education, and industry group meeting forums.
Internet business credit portal, offering free business credit reports, online updates and free business credit applications.
http://www.businesscreditusa.com/
Online resource for credit reporting, account management, supplements, and software.
Provider of credit reports and tenant and employee screening services.
Secure site designed exclusively for establishing, maintaining and distributing company Credit Information Sheets and credit/trade references to new/established vendors or financial institutions.
http://www.creditreferences.net/
Credit report online or by mail in just 30 seconds. Detailed three bureau merged report is also available, and updates with yearly subscription.
http://www.creditreport-net.com/
Southern California-based company that provides the consumer with a copy of the information currently contained in his/her credit files as provided by Experian, Equifax and/or Trans Union.
Total credit reporting solution to various mortgage lenders.
http://members.aol.com/TPC03/credittech.html
Information obtained from the three credit reporting companies; Experian, Trans Union, and Equifax.
http://www.creditreport411.com/
Provides merged, dedupped pre-qualifying credit reports and RMCR's.
Evergreen Credit Reporting, Inc
Credit reports online: Experian (TRW), Equifax, Trans Union; plus information on credit reporting issues.
http://www.creditreporting.com
Provides every aspect of information management, including, but not limited to, acquisition, processing, aggregation, storage, product development, sales and service, and consumer information.
Specializes in providing credit solutions to manufacturers and wholesalers/distributors of housewares, food, pharmaceuticals, consumer electronics, apparel and other products.
With dual headquarters in London and New York, provides credit ratings for a wide-range of financial instruments.
Independent and professional investment information and Credit Rating Agency with an objective to provide information and guidance to investors and creditors.
Instant Search Business Information
Links to all the commercial credit reference agencies and marketing databases, plus in-house access to a large number of libraries in both electronic and hard copy format.
http://www.instant-search.com/
Provider of personal credit reports for consumers via the Internet. Services are provided to multiple industries. This company was capitalized by corporate investment.
Assists credit grantors in the safe extension of credit and the management of past-due accounts receivable. Debt collection services; accounts receivable management; mortgage/tenant credit reporting.
Provides residential mortgage credit reports, merged credit reports and flood certifications, as well as other mortgage related products such as business reports and tax return verifications.
Credit Report Online and Credit Report Software for Equifax, Experian (TRW), and Trans Union Bureaus.
Committed to fostering, enhancing, promoting and protecting the many interests of credit and financial management; credit grantors in manufacturing, wholesaling, retailing, service industries and financial institutions.
http://www.midatlanticnacm.com/
Nationwide Management Services, Inc.
Provides credit portfolio management through credit reports and collection services.
A credit reporting agency that provides residential mortgage credit reports and free software.
Developer of software that retrieves background information, such as workers compensation claims, driver's license information and all other public information and software that retrieves and scores credit information from all five credit bureaus. The co
Northern California Credit Service
Provides a variety of credit reporting services to mortgage brokers, bankers, and lenders in the real estate industry.
Credit report service offering three bureau merged reports in assistance with debt consolidation, bankruptcy attorneys, and divorce lawyers.
http://www.onlinecreditreporting.com/
Supplier of credit reports on Middle East businesses.
Solo Credit International Corp.
Specializing in credit reports on businesses in the textile and apparel industry.
Structured Finance presale reports preliminary summary analyses-worldwide locations.
http://www.standardandpoors.com/
Provides sub-prime consumer information to merchants who interface with high risk consumers.
Provide information solutions needed to make accurate credit decisions.
Tips & Advice to help you make your decision on Consumer Credit Reports
Do you know what your credit report says about your financial stability? Your credit report could have a significant impact on the way that you spend money, especially if you plan to apply for any form of credit, such as a home mortgage, in the near future. Knowing what your consumer credit report says about the way that you manage money could help you make smarter financial choices.
If you own a business, then you might want to check consumer credit reports to make sure that potential clients are responsible with their money. For instance, you might own a banking institution that provides loans for automobiles, homes, and education. When people apply for loans, you can use ... more
Do you know what your credit report says about your financial stability? Your credit report could have a significant impact on the way that you spend money, especially if you plan to apply for any form of credit, such as a home mortgage, in the near future. Knowing what your consumer credit report says about the way that you manage money could help you make smarter financial choices.
If you own a business, then you might want to check consumer credit reports to make sure that potential clients are responsible with their money. For instance, you might own a banking institution that provides loans for automobiles, homes, and education. When people apply for loans, you can use their credit reports to determine whether they are a good risk. In addition to helping you decide whether you want to accept someone as a client, you can also use the credit report to determine how much interest you charge them.
Business.com can help you find the credit report services that you need. Whether you are a consumer looking to check the accuracy of your report or a business owner who wants to determine the stability of a client, you can use the links on the left to find more information.