I’ll say it again and if you haven’t been told you’re on notice! Freeze these snitches…
1. SageStream
Owned by LexisNexis Risk Solutions
Acquires data and furnishes additional consumer reports to auto lenders, credit card companies, retailers, utility companies, mobile phone service providers, and various other service providers
2. LexisNexis Risk Solutions
Owns SageStream
Gathers data from both public records and various proprietary sources, encompassing real estate transactions, ownership records, liens, judgments, bankruptcies, professional licenses, and past addresses.
3. Innovis
Gathers data on consumers' approved and declined bankcard applications. Advanced Resolution Services operates as a subsidiary of
VISA Inc
5. Teletrack, LLC
Owned by Equifax
Gathers details from consumers and shares it with payday loan companies, rent-to-own stores, furniture shops with financing options, auto financing companies, high-risk consumer finance firms, subprime home loan providers, subprime credit card issuers, banks, credit unions, cable/telecom companies, and debt collectors
6. MicroBilt
Gathers regular bill payment information, like monthly bills for rent, utilities, phone plans, car insurance, and streaming services. This data is used to create credit reports and risk scores for businesses providing short-term, rent-to-own, auto, retail, and consumer finance loans
7. FactorTrust
FactorTrust is owned by TransUnion
Gathers data on how nonprime consumers manage their loans. This information is used to create predictive credit insights, analytics, and risk scores for short-term lenders, installment lenders, nonprime auto lenders (including leasing companies), and other providers offering credit to those with subpar credit histories.
8. DataX
Owned by Equifax
Collects and provides consumer payment history on payday and installment loans, subprime credit cards and other specialty loans.
9. Clarity Services
Clarity Services is owned by Experian
Gathers and supplies data regarding payday loans, installment loans, auto loans (including leasing), check cashing services, rent-to-own deals, telecommunication account openings, and financial services, focusing on the lower-income and subprime consumer sectors
10. Chex Systems
Provides account verification services primarily for financial institutions.
Collects and reports data on checking account applications, openings, and closures, including reasons for account closure.