There are some other smaller credit agencies that keep reports too,
like Teletrack, which focus on smaller loans, rent-to-own contracts,
etc. You can get your report once a year free from them al...
In Canada, we only have TransUnion and Equifax. We can get a credit
report from each, annually, for free. But they make you jump through
hoops - you have to print out a huge form, mail or fax it ...