The three main credit reporting agencies, also known as credit bureaus, in the United States are Experian, Equifax, and TransUnion. Here’s an overview of the secondary credit bureaus and the type of data they collect:

– Innovis – Collects information on credit accounts, public records, collections, and inquiries. Less commonly used by lenders than the big three bureaus.

– PRBC – Focuses on payday loans, rent-to-own agreements, and subprime mortgages. Tracks short-term, high-interest credit products.

– ChexSystems – Collects data on checking and savings account applications, openings, and closures. Used by banks to screen applicants opening new accounts.

– TeleCheck – Verifies checking accounts and tracks individuals with a history of writing bad checks. Used by retailers to reduce check fraud.

– EarlyWarning Services – Collects deposit account data similar to ChexSystems but with a broader scope. Used for checking account screening.

– Clarity Services – Tracks various types of consumer loans and credit products from subprime lenders. Used to assess risk for non-prime borrowers.

– FactorTrust – Collects data on underbanked consumers who don’t have enough credit to be scored by major bureaus. Focuses on non-traditional credit sources.

– LexisNexis – Collects public record information, address history, and identity verification data. Often used by auto insurance companies for risk assessment.

So in summary, the secondary bureaus gather niche data on banking, lending, personal identity, and other specialty areas outside of mainstream consumer credit.