The only source for FREE credit reports.

This is ChexSystems Inc.’s site. ChexSystems is a Consumer Reporting Agency governed by the Fair Credit Reporting Act. This company reports bad checks, overdrawn accounts and other negative information to financial institutions which may then prevent you from getting a bank account. The site allows you to order your report free of charge and offers information on how you can improve your record and lessons about responsible banking as well as Identity theft affidavits.

This Consumer Reporting Agency provides reports including tenant reports, employment reports and C.L.U.E. reports on insurance claims you have made. Landlords, potential employers and insurance companies can use these reports. The same site also allows you to order reports to check on medical providers, nursing homes, and run a background check on a variety of service providers such as child care workers or contractors.

Equifax Credit Reporting Bureau. NOTE: This site attempts to sell products and services which Hummingbird does not recommend or endorse.

Experian Credit Reporting Bureau. NOTE: This site attempts to sell products and services which Hummingbird does not recommend or endorse.

The most complete government source for consumer protection information including your rights under the Fair Credit Reporting Act and how to dispute your credit report.

The most complete government source for consumer protection information including your legal rights and how to dispute your credit report.

PRBC stands for Pay Rent Build Credit or Payment Reporting Builds Credit. PRBC is an alternative credit report and credit score company for those who pay bills like rent or utilities but do not have other credit. PRBC is no longer accessible to consumers, but all creditors that use PRBC credit reports also report consumer information to PRBC. Landlords, utilities and other companies can report consumer payments to PRBC at no cost to the company if they have or open an account with PRBC. Currently, there are only two actions consumers can take to actively build a PRBC credit report: (1) Ask your utility, landlord or insurance company if they report to PRBC. If the answer is “no,” tell the company or landlord that it is free and PRBC will take their information in any form and even pass it along to other credit bureaus for free. (2) For those who pay rent only, there is a relatively inexpensive monthly rent paying service through WilliamPaid.com that will report to PRBC. Hummingbird does not endorse bill paying services, PRBC or any other company.

This non-profit consumer information and Advocacy organization educates regarding privacy issues including Identity theft and offers sample dispute letters.

Trans Union Credit Reporting Bureau. NOTE: This site attempts to sell products and services which Hummingbird does not recommend or endorse.