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A credit bureau isnot a government agency but an independent administrative unit that provides valuable input regarding a consumer's credit history. There is also the Contractor license credit report which provides personal or credit information required to obtain a contractor's license meeting all of the guidelines required by nearly every state, city, or county governmental agency. Today let's focus on consumer credit.

Consumer Information aggregate databases: These databanks typically contain the financial transaction details and history of a borrower. This information is collected from previous lenders, banks, financial institutions, court, and various other public records. Because these data reports help in the making of risk decisions to extend credit, offer employment, rent property, etc, they are subject to a credit scoring which makes them easier to work with, the score is a summation of an individuals recorded history.

This data is made singularily available on request to lenders and creditors desiring to either dismiss or approve a business transaction. Besides being available singularily, companies that serve the public with services such as loan modification Lead Services, mortgage offers, credit cards, auto loans and debt negotiation/repair consolidation, can work towards legal compliance to receive and use targeted lists of prospects that qualify for their services.

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In the United States, there are three major credit bureaus that store collected credit and other related information. They are Equifax, TransUnion, and Experian and they are governed by general rules and guidelines provided by the Federal Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), Fair and Accurate Credit Transactions Act (FACTA), and Regulation B, set up specificallly for information providers. While there are many bureaus that collect and analyze similar information these main three are the most well known and utilized we can provide data from all 3 credit bureau.

Equifax's services are used by financial institutions, retailers, credit card industry, transportation, health care, and information technology industries as well as the government.

Experian's services are sought by clients to target prospective customers and manage existing customer relationship so as to search opportunities with the aim of profitable growth.

Trans Union's services are sought by insurance agencies, financial and banking services, retailers, hospitals, collection agencies, communication, and energy companies.

When obtaining a marketing lead list you would think that due to the large number of borrowers and the mechanical nature of credit scores that mistakes could make a marketing list less valuable. But because of the regulations over this sensitive information and the power to dispute with a firm redressal mechanism for aggrieved parties, there is not much information that can come near the accuracy of credit scored data. Call a consultant today and be sure to ask for a free mail quote.

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Over 200 contact titles and 144 data fields. This comprehensive database will allow marketing managers to work in tandem with the upcoming standards changes. Start Your research below to find everything from credit to Business Performance, past purchases, and Income.

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