Practical articles on credit report freezes, specialty reporting agencies, identity protection, and the FCRA rights every consumer should know about.
⭐ FeaturedExperian, Equifax, and TransUnion are not the only companies collecting consumer information. Use the CFPB's list to identify specialty reporting companies, learn what information they collect, and find out how to request or restrict your files.
Read the full guide →
ExplainerData brokers collect information from public records, websites, applications, purchases, and other sources to create detailed consumer profiles. Learn what information they may hold and how it can be used or sold.
Read more →
ExplainerChexSystems maintains consumer banking-history information that financial institutions may review when you apply for a checking or savings account. Learn what may appear in your file and how to request your consumer disclosure report.
Read more →
ComparisonCredit freezes and credit locks can both limit access to your credit file, but they differ in their legal protections, costs, and how they are managed.
Read more →
Agency SpotlightLexisNexis Risk Solutions maintains consumer information used for insurance, identity verification, fraud prevention, and other eligibility decisions. Learn how to request a copy of your consumer disclosure report.
Read more →
Your RightsThe Fair Credit Reporting Act gives consumers important rights involving access to their reports, accuracy, disputes, permissible access, and notification following adverse decisions.
Read more →
Agency SpotlightInnovis is a nationwide consumer reporting agency that maintains credit-related consumer information. Learn how to place, lift, or remove an Innovis security freeze.
Read more →
GuideFreezing your credit is only one part of protecting your identity. Review the steps to take before and after identity theft, including reporting fraud, securing accounts, and creating a recovery plan.
Read more →
GuideThe CFPB maintains a detailed list of consumer reporting companies, including agencies that track banking history, tenant records, insurance claims, employment information, utilities, subprime lending, and other specialty data.
Read more →
GuideLearn how to dispute inaccurate or incomplete information with a credit reporting company and the business that supplied the information.
Read more →