Self Help – Data Request Guide Not Signed

​Data ​Request ​Guide — ​Privacy ​Protection

​A ​practical, ​step-by-step ​self-help ​resource ​to ​request, ​review, ​and ​manage ​your ​personal ​information ​from ​credit ​reporting ​agencies, ​small ​bureaus, ​and ​consumer ​reporting ​services. ​Start ​here ​to ​take ​control ​of ​your ​data ​securely ​and ​effectively.

​In ​addition ​to ​the ​three ​major ​credit ​bureaus, ​there ​are ​several ​secondary (or “small”) ​credit ​reporting ​agencies ​that ​collect ​and ​sell ​consumer ​data. ​These ​agencies ​are ​not ​included ​in ​AnnualCreditReport.com, ​yet ​their ‌data ‌is ‌frequently ​used ​by ​banks, ‌landlords, ‌utility ‌providers, ​insurers, ​and ​lenders ​when ​evaluating ​applications. ​Although ​reviewing ​these ‌reports ‌takes ‌extra ​time, ​it ​is ‌strongly ‌recommended. ‌Errors ​in ​these ​databases ‌can ‌lead ‌to ‌denied ‌applications, ‌higher ​deposits, ​or ​fraudulent ‌accounts ‌being ‌opened ​in ​your ​name. ​Many ​of ​these ‌agencies ‌also ‌share ‌data ‌with ‌the ‌major ‌bureaus, ‌meaning ​inaccurate ​information ​can ​spread ​across ​multiple ‌systems. ‌Below ‌is ​a ​list ​of ​the ​most ​commonly ‌used ‌small ‌credit ‌and ‌consumer ‌reporting ‌agencies, ‌along ‌with ‌instructions ‌for ‌obtaining ‌your ‌file ‌from ‌each.

      

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