Specialty Consumer Reports
What they Are & Why they Matter
When most people think of credit reporting, they picture the “Big Three” credit bureaus — Equifax, Experian, and TransUnion. But the truth is, there are hundreds of other specialty consumer reports that may be compiled about you. These reports track specific areas of your life and can influence whether you’re approved for an apartment lease, offered a job, given insurance coverage, or allowed to open a new bank account.
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Examples of specialty consumer reports include:
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Employment background reports (verification of work history, education, licenses, and criminal records)
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Tenant screening reports (rental history, evictions, payment performance)
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Insurance claims history reports (prior losses and claims activity)
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Banking history and check verification reports (account closures, returned checks, overdraft patterns)
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Investigative consumer reports (information on reputation, character, or lifestyle, often based on personal interviews)
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If you have issues with a specialty consumer report, contact us today. Be Informed. Be Empowered. Be Protected.