Credit Education
Third Party Agencies
Not every decision uses the three major credit bureaus. Many lenders, insurers, landlords, and employers rely on specialty agencies that collect specific types of information. Use the search and filters below to explore who tracks what.
Tip: Search by a keyword like “insurance”, “eviction”, “checking”, “bankruptcy”, or “utilities” to quickly find the agency most related to that topic.
- Previously referred to as Associate Credit Bureaus
- May be used for certain pre-screened offer workflows
Common data types that may appear in related services can include:
- Judgments and bankruptcies
- Insurance related records and risk indicators
- Eviction related records
- Some professional license indicators
- Loans secured with collateral (example: auto loan)
- Background check signals from employers when permitted
- Skip tracing style data used for locating consumers
- Owned by LexisNexis
- Used for insurance claims history in many cases
- May include vehicle and property history (type, VIN, addresses, coverage amounts)
- Can relate to home and rental insurance, commercial property, and certain tenant contexts
- Owned by Experian
- Personal loans
- Rent to own applications
- Used in some cases for thin credit file decisions
- Criminal records (context dependent)
- Court records
- Store card related decisioning signals in some contexts
- Inquiries
- Bankruptcies
- Referenced by some credit card issuers and auto lenders
- May appear in retailer, utilities, and cell phone contexts
- Checking account history signals
- Bank account openings and closings
- Bad check writing history indicators
