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Monday, January 21, 2019

Credit Reporting Agencies You Probably Didn’t Know Exist

Poor Man Survival

Self Reliance tools for independent minded people…

ISSN 2161-5543

A Digest of Urban Survival Resources


Other Credit Reporting Agencies You Probably Didn’t Know Exist

Checked and updated for 2019. Since these are available every 12 months, it is a good idea to check these near or around the same time each year. 

A lot of companies make their money by collecting and selling data – your personal data. In the past, it was often difficult if not impossible to see what they were telling prospective lenders, landlords, even employers about you. Under the FCRA and/or FACT Acts, many consumer reporting agencies (CRAs) are now legally required to send you a free copy of your report every 12 months, as well as provide a way to dispute incorrect information.

Some have an online request form, but some require snail mail with proof of identity. (Some are shady and really try to hide this option.) You probably won’t want to bother checking all of them, but if you’ve experienced any sort of rejection or adverse reaction in these areas the cause might be found inside one of these databases. Keep in mind that you may not have a file with all of these places. Requesting a copy of your own consumer reports does not hurt your credit score.


Experian, Equifax, and TransUnion. The three major credit bureaus track your credit accounts, payment history, and other related information like bankrupts and liens. Free copy of each once every 12 months

You can also now freeze your credit reports for free, but you must contact each bureau separately. For the contact info, please see Big List of Ways To Protect Your Identity: Free Credit Monitoring, Free Credit Locks, and Free Credit Freezes

CoreLogic Credco. One of the largest credit-related CRAs and often used by mortgage lenders, your CoreLogic Credco Consumer File can contain: previous homeownership and mortgage info, rental payment history, any reported delinquencies, and other debt obligations like child support. Free copy once every 12 months.

§  877-322-8228

CoreLogic Credco. One of the largest credit-related CRAs and often used by mortgage lenders, your CoreLogic Credco Consumer File can contain: previous homeownership and mortgage info, rental payment history, any reported delinquencies, and other debt obligations like child support. Free copy once every 12 months.

§  877-532-8778


LexisNexis. One of the largest personal information databases that includes public records, real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses on file. Free copy, must mail in form.

§  866-897-8126


Innovis. A supplementary credit report and identity verification provider. Free copy once every 12 months.

§  800-540-2505

SageStream, LLC (formerly ID Analytics) Per their site, they are a “a credit reporting agency that produces credit reports and scores from our repository of consumer information contributed by a wide array of companies including leading financial services organizations, wireless providers, utilities, retailers, auto lenders and many others” Free copy, must fax or mail in a written form.

§  888-395-0277


Chexsystems. A consumer information database used by an estimated 80-90% of all banks to help determine the risk of opening new accounts. Think of it as the banks’ version of a credit bureau. If a person commits check fraud or overdraws their account, it will be listed here. In addition, the simple act of opening or closing a bank account may be recorded in their database. Having a negative ChexSystems record can leave you blacklisted from opening bank accounts at most major banks. Free copy once every 12 months. You can now request your report online.

§  800-428-9623

CrossCheck, Inc. Provides check verification services for various industries, including automotive sales and repair, building supply, home improvement, retail, medical, dental, and veterinarian industries.

§  800-843-0760

Global Payments Check Services, Inc. Provides check verification services for various industries.

§  800-638-4600 x410

TeleCheck. Per their site, they provide “industry-leading check acceptance, check processing and risk analytics services to merchants and financial institutions.” One of the major companies that protect businesses and banks from bad checks. Must order by phone or mail.

§  800-366-2425

Certegy Check Services. Per their site, a “check risk management company that provides verification, guarantee and risk analytics to thousands of businesses that choose to accept checks as a form of payment for goods or services.” Clients include check-cashing stores and casinos. Free copy once every 12 months. Must order by phone or mail.

§  800-237-3826

Early Warning Services. A collaboration between a group of big banks including Bank of America, BB&T, Capital One, JPMorgan Chase and Wells Fargo. Provides fraud prevention and risk management in relation to bank accounts and payment transactions.  Must be ordered by phone.

§  800-325-7775

Subprime-Related (Payday Lending)

The following companies focus on subprime customers with clients including payday lenders, title loan lenders, rent-to-own stores, and subprime auto loan providers.

Teletrack (affiliated with CoreLogic).

§  877-309-5226

FactorTrust. Free copy once every 12 months. Owned by TransUnion.

§  844-773-3321

Clarity Services, Inc.

§  866-390-3118

DataX Ltd.

§  800-295-4790

Microbilt and subsidiary Payment Reporting Builds Credit (PRBC). Microbilt is a provider of credit data for the “approximately 110 million underserved and underbanked consumers in the United States.” Free copy once every 12 months.

§  888-222-7621

It is not just credit bureaus that have a file on you. If you have recently applied for a job, made an insurance claim, been denied a return at a retail store, rented an apartment, or had other business transactions, there is likely a database file with your name on it. Here is how and where to get a free copy

NOTE:  For more than a decade my wife and I did not use credit, we paid cash for everything including our home-we were completely debt and credit free and as a result due to the American way of business we got dinged on homeowners and auto insurance which treated us as if we had “bad” credit.  I confronted our agent and asked if they could buy their home outright for cash-of course they couldn’t.  We were an anomaly in America.  Reluctantly, we contacted our bank and were approved in about 90-seconds for a Visa card.  For six months we made small charges and paid each purchase off in full to build up a credit file.  Soon other credit offers piled up in our mail box.  We took advantage of one other and made the same good payment schedule.  Within a year our credit rating jumped 75 points and increases monthly to the point where we now have a better than average credit rating.  Ironically, our insurance premiums won’t decline until they renew later in 2019!


News of Interest

What to Feed Your Family When the Power Goes Out

Winter storm heading your way? Check out CR's no-cook meal ideas and food safety advice.


Freedom. Self-Reliance. Action.


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Yours for smarter living,

Bruce ‘the Poor Man’



Additional FREE Resources

Every day, people clean out their garages or attics and give away things they don't want, completely unaware that many of the items they donate are valuable to preppers.


These items end up in secondhand stores and can often be purchased for a fraction of what they would cost new. You just have to be patient and search. Here you'll find a list of items you should look for, especially if you're a prepper on a budget.


1. Boots - These are expensive brand new, but you can often find them for under 10 bucks a pair in thrift stores. They don't have to be pretty, but you do want them to be water tight. Inspect the boots and look for tears in the sole. You can always buy shoelaces and waterproof spray. Having several pairs of boots stashed away ensures you'll always have a dry pair to put on...



More notes of interest…


Living Frugally In Suburbia
You live differently than your neighbors.



14 Frugal Food-Rescuing Tips from Grandma
These depression-era frugal tips still work today!


8 Simple Ways to Put More Money in Your Pocket
Have more money without working harder!



Knowing When and How to Stockpile Groceries
Stocking up could save your grocery budget!



Emergency Preparedness on a Budget 
Affordable ways to prepare for an emergency.


Develop a Well-Rounded Prepper Library

When the topic of a prepping library comes up, what do most people talk about? Chances are the U.S. Air Force survival manual,  SAS survival manual, Army Field Manual 21-76, or something from Ragnor Benson.


When people get into prepping they typically start with stockpiling, then may gravitate towards self-sufficiency. For example, someone may start off with stockpiling canned goods, then move towards mylar bags and freeze dried foods, then finally arrive at prepsteading, farming, and gardening.

Most people who live in the suburbs can have a small garden, maybe some laying hens, and fruit trees. This allows just about anyone to grow some of their own food.

As preppers progress from stockpiling to prepsteading, shouldn’t their library also progress?

Chances are a lot of preppers do not have a single book on gardening, homesteading, canning and preserving food… etc. Even less will have books on literature, science, and math.

If we are prepping for a complete collapse of society, shouldn’t we also stockpile books for future generations? If something were to happen today – plague, nuclear war.. etc – what types of books would the reader have on hand to teach their children, or grandchildren?

What good does it do to survive the next plague, nuclear war… if future generations do not have access to resources?  This means real books made from paper and not electronic books for e-readers.

Why real books?

·         A real book can be dropped, and dropped several times without damage.

·         Real books do not require electricity.



You’ve got 2 hours until disaster strikes. Are you prepared?

If you’ve watched any apocalyptic movie ever, you’re familiar with the grocery store scene. You know which one I’m talking about. Anxious dad rushes isle by isle gathering water and canned food for his family while everyone around him gradually turns from innocent customer to aggressive looter.


At my little farmstead, we have used tarps in gardening, to cover wood, as a shade area for our chickens, and to protect our outdoor equipment. Tarps are very useful and when you invest in the higher quality types, they last! Read more and make sure you you add these to your preparedness supplies!


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Mike said...

Holy crap Poor Man-had no idea so many of these reporting agencies exist & have access to your personal data-thanks for pointing this out. Although I try to keep a low profile, our lives are an open book to the consumer & government pry masters...frankly, I'm sick of it.

Stephanie said...

I always learn about new and useful resources here-you're the 'king of content'!

Larry said...

Aye, Aye Captain-good post as always!