LexisNexis, ChexSystems, MicroBilt — these hidden bureaus affect housing, jobs, and loans.
Sub-bureaus collect information beyond your traditional credit report. Landlords, employers, insurers, and banks use them for decisions that don't touch your credit score.
LexisNexis — Background checks. ChexSystems — Bank account history. FactorTrust / MicroBilt — Alternative credit. Early Warning — Deposit accounts. TeleCheck — Check writing history.
Generate dispute letters for all major sub-bureaus in one place.
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