4 mins read
Published Sep 29, 2025
At deleteme.com, we help you take control of your personal information — and a big part of that is knowing who collects, stores, and shares your data. Below is a comprehensive guide to obtaining your credit reports and consumer screening reports, so you can review your data, correct inaccuracies, and safeguard your reputation.
Removal difficulty score (1–5) for each company, where:
⭐ 1 = very easy (fast, self-service)
⭐⭐ = easy
⭐⭐⭐ = moderate (some verification required)
⭐⭐⭐⭐ = difficult (paperwork, long wait)
⭐⭐⭐⭐⭐ = very difficult (high friction, limited rights)
This score reflects how hard it typically is for consumers to request their report and/or remove incorrect data.
The only official, government-supported free credit report service in the U.S. is AnnualCreditReport.com. You’re entitled to one free credit report per year from each of the three major bureaus. You can also submit your request by mail using the form available on their site.
Equifax ⭐⭐
One of the largest credit bureaus tracking loans, cards, and payment history for lenders.
AnnualCreditReport.com — 877-322-8228Experian ⭐⭐
Provides credit and identity reports to lenders, employers, and insurers.
AnnualCreditReport.com — 877-322-8228TransUnion ⭐⭐
Monitors your credit accounts, public records, and inquiries.
AnnualCreditReport.com — 877-322-8228
Minor Credit Reporting Agencies
These agencies are not covered by AnnualCreditReport.com, yet they influence many decisions. We recommend checking your file and disputing errors.
ChexSystems ⭐⭐
Reports on checking and savings account misuse or fraud.
chexsystems.com — 800-428-9623CoreLogic Credco ⭐⭐⭐
Supplies merged mortgage credit reports for lenders.
credco.com — 800-637-2422Innovis ⭐⭐
Small bureau used for supplemental credit checks.
innovis.com — 800-540-2505LexisNexis Risk Solutions ⭐⭐⭐⭐
Compiles public records, liens, bankruptcies, and addresses.
LexisNexis — 888-497-0011MicroBilt Connect ⭐⭐⭐
Alternative risk scoring and payday loan data.
microbiltconnect.com — 888-222-7621NCTUE ⭐⭐⭐
Telecom, utility, and pay-TV account history.
nctue.com — 866-349-5185
Employment Screening
Used for hiring, promotions, and background verification.
(Most are ⭐⭐–⭐⭐⭐ because of identity verification steps.)
Examples:
Accurate Background ⭐⭐ — accurate.com — 800-784-3911
ADP Screening ⭐⭐ — adpselect.com — 800-367-5933
Asurint ⭐⭐ — asurint.com — 800-906-2034
Checkr ⭐⭐ — candidate.checkr.com — 844-824-3257
Cisive ⭐⭐⭐ — cisive.com — 855-881-0716
First Advantage ⭐⭐⭐ — fadv.com — 800-845-6004
HireRight (GIS) ⭐⭐⭐ — hireright.com — 866-265-4917
IntelliCorp ⭐⭐ — intellicorp.net — 866-202-1436
Rental Screening
Checked by landlords and property managers.
(Most ⭐⭐–⭐⭐⭐)
AppFolio ⭐⭐ — appfolio.com — 866-359-3630
CIC ⭐⭐ — cicreports.com — 888-316-4242
RealPage ⭐⭐ — realpage.com — 866-934-1124
SafeRent ⭐⭐ — saferentsolutions.com — 888-333-2413
Financial History
Monitors bounced checks, alternative credit, and fraud.
(Most ⭐⭐–⭐⭐⭐)
Certegy ⭐⭐ — askcertegy.com — 800-237-3826
Clarity Services ⭐⭐⭐ — clarityservices.com — 866-390-3118
Early Warning ⭐⭐ — earlywarning.com — 800-745-1560
TeleCheck ⭐⭐ — telecheck.com — 800-366-2425
Insurance & Medical History
(Most ⭐⭐⭐–⭐⭐⭐⭐)
A-Plus Property ⭐⭐⭐ — verisk — 800-627-3487
Drivers History ⭐⭐ — drivershistory.com — 855-694-1555
MIB ⭐⭐⭐⭐ — mib.com — 866-692-6901
Milliman IntelliScript ⭐⭐⭐⭐ — rxhistories.com — 877-211-4816
Specialty Reports
Retail Equation ⭐⭐⭐ — theretailequation.com — 800-652-2331
Tracks retail return patterns and flags frequent or fraudulent behavior.Social Intelligence ⭐⭐⭐⭐ — socialintel.com — 888-748-3281
Monitors your public online and social media activity for employers.
Why It Matters
These agencies can hold information that affects your loans, jobs, homes, and insurance rates. At Deleteme.com, we can help you review, challenge, and even request removals of incorrect or outdated data — so you stay in control.
📩 Ready to protect your privacy? Visit us at deleteme.com today.
Need help? Visit our Help Center.
