The Credit Reporting Agencies (CRA), Equifax, Experian and Trans Union are household names. All of the financial institutions use one, or all, of these CRAs to pull your credit when you apply for a loan.
According to the latest federal law, once a year you can get a free copy of your credit report from these companies. If you have not taken advantage of this freebie, go to http://www.ftc.gov and follow the free credit report link.
This article however isnt about the big three as they are now called. It is about the CRAs you have never heard of which means you dont know they exist. If you dont know they exist, you dont know their potential danger to your personal financial health.
Since I dont like secret organizations possessing super detrimental powers, I authored this expos.
Expos may be a bit of overkill but after you read it, decide for yourself. You see, if you have ever had a telephone, checking account, ATM card, applied for an apartment, or done any of the consumer type things we all do, you might be in one of these unknown databases.
I will begin with the organization commonly referred to as the telephone bill deadbeat database by...
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