Are there any other credit bureaus besides the big 3?

Question

Besides Equifax,Exiperian and Trans Union are there any other credit bureaus, large or small that would have your credit info and how do you get in touch with them?

Answer 1

Not that I know of... Those are the only ones that I know.

Answer 2

There are in other countries but those 3 are the only ones used in the US

Answer 3

In the US, as far as credit goes, these are it.  There are regional credit bureaus, but all these are affiliated with one of the big three, so they wouldn't have information that one of the big three doesn't have.

However, there are other types of "consumer reporting agencies" out there.  There is ChexSystems (www.consumerdebit.com), for example, and they do the same for bank accounts that the big three do for credit card acccounts.  Get a negative report on ChexSystems, and good luck on even opening a savings account at almost every bank in the country.

TeleCheck and Scan are types of "blacklists" for checks.  If your name appears on the TeleCheck or Scan list, not only may you have problems opening accounts at some banks, you may even find that your checks are not honored by merchants that subscribe to these lists.  (Just for fun, next time you go shopping, look for the TeleCheck or Scan decals next to the credit card logos or at the register).

For health, life and related insurance, there is the Medical Information Bureau.  When you apply for these types of insurance, some of the information you provide on the application ends up at your MIB file, which is then used by insurance companies to make sure that all of your answers to all companies are consistent.  Lie to an insurance company, you will get declined.  Get declined by one company for lying, and you just made yourself automatically uninsurable at almost every insurance company.

Answer 4

Those are the only 3 that are used.