Consumer Reports: It's Not Just the Big Three Anymore! June 27, 2013 Leslie Linfield, CPFFE

1. Consumer Reports: It's Not Just the Big Three Anymore! June 27, 2013 Leslie Linfield, CPFFE Institute for Financial Literacy

2. NATIONAL CREDIT REPORTING COMPANIES • Equifax • Experian • TransUnion These reports contain: Information about payment history, credit availability and credit usage. Public information: bankruptcies and judgment liens You can receive one free report every 12 months AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences

3. CHECK SCREENING/CHECK HISTORY Certegy Check Services Chex Systems Early Warning Services Telecheck These reports contain: Information about check writing history and account closures Provide check screening services for banks and retailers You can receive one free report every 12 months AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences

4. AUTO AND PROPERTY INSURANCE HISTORY REPORTS Insurance Information Exchange Insurance Services Office (ISO) L.N. (Clue Personal Property Report)* L.N. (Clue Auto Report) * These reports contain: Information about motor vehicle records and traffic violations Claims histories and losses associated with personal and real property *You can receive one free report every 12 months AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences

5. MEDICAL Medical Information Bureau* Milliman IntelliScript These reports contain: Information about medical conditions and information from insurance applications. Information about prescription drug purchase history. *You can receive one free report every 12 months AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences

6. EMPLOYMENT HISTORY REPORTS Accurate Background American DataBank EmployeeScreenIQ First Advantage* GIS HireRight* Lexis Nexis Screening Solutions* Trak 1 Technology Verifications Inc. * The Work Number * These reports contain: Information about employment background *You can receive one free report every 12 months AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences

7. PAYDAY LENDING Clarity Services DataX Factor Trust Microbilt Teletrack These reports contain: Information about payment histories on payday loans, check cashing services and other subprime loan products. AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences

8. SUPPLEMENTARY/ALTERNATIVE CREDIT REPORTS CoreScore Credit Report* Pay Rent Build Credit (PRBC)/Microbilt L2C These reports contain: Information about property taxes, rental payment history, child support obligations and property records. You can receive one free report every 12 months AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences

9. Rental Contemporary Information Corp. CoreLogic SafeRent* Leasing Desk (Real Page)* LexisNexis Screening Solutions Inc. Resident History Report* Tenant Data Services These reports contain: Information about rental payment history. You can receive one free report every 12 months AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences

10. Consumer Financial Protection Bureau (CFPB) The CFPB has published a list with many of these consumer reporting agencies listed on them as well as information on how to contact them. To receive a free copy of this report go to: http://files.consumerfinance.gov/f/201207_cfpb_list_consumer-reporting-agencies.pdf AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences

11. Thank You Leslie E Linfield, CPFFE llinfield@financiallit.org 207-221-3613 AAFCS 104th ANNUAL CONFERENCE & EXPOEmbracing and Managing Change Through Family & Consumer Sciences