What are all of the credit score companies, i know there is the main three but there are others, please help?

Question

trying to get cedit card and they are using different credit report companys

Answer 1

There are many lesser credit reporting agency's other than the big 3. Also, many, if not all, states may even have a local credit bureau.

Generally if they pull another credit bureau report, it would probably be either Innovis or LexisNexis.

LexNex is not really a lesser company and not really classified as a credit bureau and you cannot normally dispute any information that they report. But that does not stop credit card companies from checking with them.

Answer 2

While there are the "big 3" (transunion, experian, & equifax), there are some agencies that use subsidiaries to pull your reports. There is an agency that is actually help you build credit. Now, I know that you're probably skeptical of what I just said, but I did my research on this, and it's for real. PRBC is a reporting agency that is unlike the "big 3". It's the only agency that actually allows consumers to self-enroll and report recurring monthly payments, whether it's rent, utilities, day care, remittances, insurance, etc that the "big 3" do not report on a regular basis. You can submit historical payments up to 3 years, also your current payments as well. The information is compiled into a score that can be used in addition to your traditional credit reports. It can give prospective lenders a more accurate picture on not just what you pay, but more importantly, WHEN you pay. Bad things happen to good people's credit sometime, but that's not taken into consideration when credit is pulled. The negative information that's on a report usually overshadows the good that someone does in the present when they're paying their bills on time. That's where PRBC comes in. Under the Fair Credit Reporting Act, you have a right for the PRBC report to be considered when your credit is pulled. What makes this so powerful is that it shows what creditors REALLY want to know: can you pay, and can you pay on time! I've talked about it enough, so I'm going to send you a link to see for yourself.

Answer 3

There are only the three in the USA (Expirian, Trans Union, and Equifax). You might be dealing with a subsidary company (unsure how accurate they are). Anything to do with you credit starts there. Beware of other companies alot are fraudulant check with the main three first to ensure the company is legit. You can go to the websites and email or call them. Hope this helps :)