Teltrack is not a credit bureau affilliation. Not one of the Big 5, Credit bureau's.Does not report to credit bureaus. It is a source tool. Teltrack is used in many states that regulate the number of payday loans a person has. It's a good tool to not overextend a person-required by state laws- ie Florida.If a PDL lender is a subscriber to teltrack it will desplay if you are using another PDL. Also Teltrack will display if you have NSF, W/O-write off,other collection info. secondary lenders/ auto lenders use it. Again,It does not report to the credit reporting agencies. collection agencies can use it if they subscribe. It pulls info from your social security number.