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Who's watching your finances?
June 2, 1999: 8:45 a.m. ET by money.cnn
These smaller agencies are distinct from the big three credit agencies in two primary ways. For one, the smaller bureaus generally only compile negative credit information. They'll keep track of what bills you don't pay, but unlike the Big Three (Experian, Trans Union and Equifax), they won't give you credit for expenses you keep in check. Smaller agencies also tend to be more specialized, targeting and compiling information aimed at potential clients' needs.
Most recently, telephone companies including AT&T, Sprint and MCI have linked up to start their own information clearinghouse, which "blacklists" Consumers who don't pay their bills on time.
Other agencies have been known to monitor medical expenses, insurance and even worker's compensation claims
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