Specialized Credit Reports You Don’t Know About

Specialized Credit Reports You Don’t Know About

Credit.com has a report on some relatively unknown credit reports. For example, Equifax has a report it calls “work number” that provides employment and income verification data obtained from private companies. Fannie Mae said mortgage companies could use this report in lieu of pay stubs effective mid-2016.

Landlords often look at applicants’ credit reports before deciding whether to rent an apartment or other living space. There are many such credit reports that include former addresses, eviction history and the like.

Cable companies and utilities have an “exchange” with information on customers’ history of paying their cable or utility bills, connection requests, defaults, and fraudulent information.

Banks and other financial institutions typically won’t open an account if someone has an adverse history as reported by specialized reports on consumers’ account activity.

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