Consumer reporting companies

Checkr provides background screening and post-hire workforce monitoring, often through a candidate-facing portal.

ChexSystems is a nationwide specialty reporting company used mainly by banks and credit unions when deciding whether to open a checking or savings account.

Early Warning is a nationwide specialty reporting company that receives checking- and savings-account history and activity from participating financial institutions.

Experian RentBureau collects rent-payment history used by tenant-screening companies and may add some positive rental data to Experian credit reports.

First Advantage provides employment and residential background screening and post-hire monitoring; it also acquired Sterling.

HireRight provides employment background screening and post-hire workforce monitoring for employers.

Innovis provides credit and identity-verification data. Its consumer report is separate from reports at Equifax, Experian, and TransUnion.

C.L.U.E. is LexisNexis’s insurance claims exchange. It reports up to seven years of auto and personal-property loss history for insurance underwriting and pricing.

LexisNexis Risk Solutions compiles public-record and proprietary identity and risk data used by financial institutions, insurers, healthcare organizations, and government agencies.

MIB maintains coded information used with consumer authorization in underwriting individual life, health, disability, critical-illness, and long-term-care insurance.

Milliman IntelliScript compiles prescription-drug purchase history and risk information used in underwriting certain individual insurance products.

NCTUE is an industry exchange whose members share telecom, pay-TV, and utility application and account-payment information. Equifax services the database but is not an NCTUE member.

RealPage’s LeasingDesk services provide consumer data and resident screening to rental-property owners and managers.

RentGrow provides resident-screening reports to property owners and managers and is owned by Yardi Systems.

SafeRent provides tenant-screening reports and an applicant risk score to landlords and property managers. Older notices and forms may use the CoreLogic Rental Property Solutions name.

Sterling provides background screening and workforce monitoring. First Advantage completed its acquisition of Sterling, but consumers may still see the Sterling name and support path.

TeleCheck provides check, account-opening, and payment-risk information to merchants and financial institutions and also supplies payment data for some credit underwriting.

The Work Number is an Equifax Workforce Solutions database of employment and income information contributed by employers and payroll processors.

SmartMove provides tenant screening, estimated-income insights, resident risk scores, and leasing recommendations to landlords.