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A credit
rating agency (CRA) is a company that assigns credit ratings
for issuers of certain types of debt obligations. In most
cases, these issuers are companies, cities, non-profit
organizations, or national governments issuing debt-like
securities that can be traded on a secondary market. A
credit rating measures credit worthiness, the ability to pay
back a loan, and affects the interest rate applied to loans.
(A company that issues credit scores for individual
credit-worthiness is generally called a credit bureau or
consumer credit reporting agency.)
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Primary Credit Reporting Agencies |
Equifax
(800) 685-1111
Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA 30374 |
Experian
(888) 397-3742
P.O. Box 2002
Allen, TX 75013 |
Trans
Union
Consumer Disclosure Center
(800) 888-4213
P.O. Box 1000
Chester, PA 19022 |
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AAA Credit
Screening Services |
Low cost personal, consumer
and business reports, employment and tenant screening services. |
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Business
Products Credit Association (BPCA)
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Credit
information, creditor education, credit reporting, credit counseling and
industry credit group meeting forums since 1875. |
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ConsumerInfo |
ConsumerInfo.com, Inc., an
Experian company, was founded in 1995 to give consumers quick, easy, and
inexpensive access to their credit histories. It is now the leading
provider of online consumer credit reports and scores, credit monitoring
services, and other credit-related information. ConsumerInfo.com, Inc.
has delivered more than 9 million credit reports direct to consumers
over the Internet and is currently providing its robust credit
monitoring services to more than 1.6 million members. ConsumerInfo.com,
Inc. also enjoys prominent partnerships with sites such as Yahoo!, MSN,
AOL, E-LOAN, Earthlink, Quicken, and other top companies. |
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Credit Technologies |
Credit Technologies provides a
total credit reporting solution to many of the nations premier mortgage
lenders. |
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CreditLink
Corporation |
CreditLink® Corporation was
established in 1989 to meet the needs of landlords who demanded more
information for their tenant screening dollar. Our CreditLink® Profile
provides the easiest to read, most complete credit report that is
available today. In addition, you will find tenant histories that
include evictions and tenants who "skip out" on their rental
obligations. Also included in the CreditLink® Profile is a nationwide
bad check search. |
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Creditreport.com |
Creditreport.com is the
official site authorized by the three national bureaus to provide the
public with access to any or all of their credit reports 24 hours a day
and 7 days a week 365 days a year. |
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Equifax |
Equifax Consumer Services,
Inc., makes the products that make your Equifax credit information
available to you online. Equifax Consumer Services uses the information
in your credit file maintained by Equifax Information Services LLC, the
leading credit reporting company. |
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Experian |
Experian combines our
unsurpassed data with the knowledge, expertise and creativity to help
companies build successful relationships with their customers. Experian
also provides U.S. consumers with the tools and services to help them
understand, manage and protect their personal credit profiles. |
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Factual
Data Corp |
Kroll Factual Data provides a
wide range of customized information services to businesses across the
United States that assist them in making crucial decisions, such as
determining whether to make a mortgage or other loan, offer employment,
accept new tenants, or enter into a business relationship. We are an
industry leader in delivering our services over the Internet and in
utilizing technology and focusing on customer service to provide our
services with the speed, reliability, accuracy and customization that
industry participants increasingly demand. |
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Fidelity
National Credit Services |
A national credit information
services provider, Fidelity National Credit Services (FNCS) is one of
the nation's largest credit reporting organizations. |
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Identity Theft - Prevention and Victim Help |
Identity theft is the fastest growing crime in
America. Here is the help you need for prevention and recovery for
victims. |
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Landlord
Connection, Inc. |
Database of eviction records
from all 50 States |
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MyFico.com |
myFICO® is the consumer
division of Fair Isaac, the company that invented the FICO® credit risk
score that lenders use. Starting in the 1960s, Fair Isaac sparked a
revolution by pioneering credit risk scoring for the financial services
industry. This new approach to lending enabled financial institutions to
improve their business performance and expand consumers’ access to
credit. Today Fair Isaac’s FICO® score is widely recognized as the
industry standard for lenders. myFICO® offers informative
credit-information products that help people understand actions they can
take to achieve and protect their overall financial health. |
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National
Credit Source, Inc. |
provides secure and accurate
consumer credit reports within 24 hours. |
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National
Tenant Network |
Tenant performance reporting
company. |
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Optoutprescreen.com |
Under the Fair Credit
Reporting Act (FCRA), the Consumer Credit Reporting Companies are
permitted to include your name on lists used by creditors or insurers to
make firm offers of credit or insurance that are not initiated by you
("Firm Offers"). The FCRA also provides you the right to "Opt-Out",
which prevents Consumer Credit Reporting Companies from providing your
credit file information for Firm Offers. Through this website, you
may request to:
- Opt-Out from receiving
Firm Offers for Five Years - (electronically through this website)
- Opt-Out from receiving
Firm Offers permanently - (mail Permanent Opt-Out Election form
available through this website)
- Opt-In and be eligible
to receive Firm Offers. This option is for consumers who have
previously completed an Opt-Out request - (electronically through
this website).
If you choose to Opt-Out,
you will no longer be included in firm offer lists provided by these
four consumer credit reporting companies. If you are not receiving firm
offers because you have previously completed a request to Opt-Out, you
can request to Opt-In. In doing so, you will soon be among the many
consumers who can significantly benefit from having ready access to
product information on credit and insurance products that may not be
available to the general public. |
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PayPal |
PayPal lets
you accept credit cards, bank transfers, debit cards, and more at some of
the lowest costs in the industry. Plus, your customers can pay you
instantly, even without a PayPal account.
Learn More about PayPal. |
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Tele-Track |
Teletrack is the nation's
leading source for sub-prime consumer credit information. Since 1989,
Teletrack has provided businesses with the information resources
necessary to make timely and accurate risk decisions. With a foundation
in industry leading technology systems, Teletrack delivers unique data
and intelligent decisioning solutions to a variety of businesses and
industries. |
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Tenant Screening |
Tenant/employment screening
through our web-based program. Millions of records available instantly |
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Tenant
Screening Credit |
Provides credit reports,
tenant screening, criminal history, and other verification services. |
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Tenant
Screening Services |
TSS offers full tenant
screening services to property managers, landlords, and others in the
real estate and rental industry. With over 80 million criminal,
eviction, and tenant history records within our database and growing,
TSS provides the best and most thorough screening process available on
the world wide web. |
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Trans
Union |
TransUnion is a leading global
provider of business intelligence services supported by more than 3600
employees, in more than 24 countries worldwide. With technology-based
intelligence products, including innovative credit decisioning and fraud
prevention tools, advanced target marketing products, risk and
profitability models and portfolio management, TransUnion enables
businesses to manage financial risk and capitalize on market
opportunities. |
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United
One Resources |
United One Resources is a
diversified provider of credit reporting and real estate services to the
lending industry. We have experience assisting customers in all aspects
of lending, including commercial, home equity and mortgage transactions.
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Yahoo!
Credit Reports |
How-to credit guides, credit
calculators |
