The Credit Reports You Don't Know, But Need To

Intellicorp This agency collects data on your criminal background and provides it to whomever's inquiring. You may want to get familiar with them if you have a checkered past or an incident that landed you behind bars that you want to make clear was resolved or rectified when potential employers start asking questions. You can request a report for free.

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Financial reporting agencies in addition to the Big 3 that can impact your life.

By now, we're all pretty familiar with the three main credit bureaus aka The Three Wise Men (or The Axis Of Evil depending on whom you ask). Equifax, TransUnion and/or Experian are commonly used by entities ranging from employers to car dealerships to landlords to look up your credit history and determine if you qualify to make certain purchases. If your credit score isn't up to par, you may find yourself sitting outside singing one of those FreeCreditReport.com songs.

However, the big three aren't the only ones watching your money moves and impacting whether you get that financial deal you desire.

The Consumer Financial Protection Bureau has compiled a list of 40 other financial reporting agencies [PDF] that track what people do. According to Bloomberg Businessweek, these agencies sell the data they compile to places like insurance companies deciding how high to set your premiums, health insurers looking to see if you have preexisting conditions that can impact rates, potential employers trying to determine if you’re trustworthy, or banks calculating how high to set your credit card limit or whether to allow you to open a checking account.

So that you don't get caught off guard the next time you try to make a big purchase or apply for credit, here and in the gallery above are 10 financial agencies you may want to check out to see if you made their list:

Intellicorp: Intellicorp.net, 866-202-1436

National Consumer Telecom and Utilities Exchange: NCTUE.com, 866-343-2821

Tenant Data Services: TenantData.com, 800-228-1837

Insurance Information Exchange: ISO.com, 800-709-8842

Chex Systems: ConsumerDebit.com, 800-428-9623

CoreLogic Teletrack: Teletrack.com, 877-309-5226 

CoreScore Credit Report: Credco.com, 877-532-8778 

Early Warning Services: EarlyWarning.com, ​800-325-7775  

Pay Rent Build Credit (PRBC)/Microbilt: Microbilt.com, 877-772-2123

Milliman IntelliScript: RxHistories.com, 877-211-4816

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