Part of the Specialty Credit Reporting Agencies Guide.
Beyond the major specialty bureaus, a handful of smaller agencies track more narrow categories of consumer data — property and rental history, utility payments, and subprime lending activity. Each falls under the same FCRA protections as the larger bureaus: the right to a free report, the right to dispute, and in most cases the right to freeze.
| Agency | What It Reports On | Contact |
|---|---|---|
| CoreLogic | Property, rental, and insurance-claim history data | corelogic.com/contact-us · 1-877-309-5226 |
| FactorTrust (a TransUnion company) | Alternative lending and subprime consumer data | factortrust.com · 1-844-773-3321 |
| ARS (Advanced Resolution Services) | Debt collection and check-related risk data | arscredit.com · 1-800-392-8911 |
| National Consumer Telecom & Utilities Exchange | Utility, cable, and telecom payment history | Free report and freeze available via the CFPB company list |
| DataX, Ltd. | Low-income and subprime lending data | Free report and freeze available via the CFPB company list |
Why These Matter
CoreLogic is particularly relevant if you have been denied a rental application or had trouble with a homeowners or renters insurance quote — its property and insurance-claim history data is used heavily in both decisions. FactorTrust, now under TransUnion, and DataX both feed into subprime and alternative lending decisions similar to Clarity Services. ARS focuses specifically on debt collection risk, which can affect approval for new accounts if you have unresolved collections. The National Consumer Telecom & Utilities Exchange tracks whether you have paid utility, cable, and telecom bills on time — relevant when applying for new utility service at a new address.
Finding the Full List
The Consumer Financial Protection Bureau (CFPB) maintains an official, regularly updated list of consumer reporting companies, including many smaller specialty bureaus not covered in detail here. If you are denied for a reason you cannot identify, checking the CFPB's company list against the reason given in your adverse action notice is the most reliable way to find which agency was involved.
Back to the full guide: Specialty Credit Reporting Agencies: The Complete Guide
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