10 consumer reports you should get

We all know about ordering your credit report for free, but did you know there are 9 other reports you can get get for free once a year?  These reports can impact your ability to get a job, your insurance rates, and even your ability to get life insurance.  You should check all ten reports to make sure no-one is using your good name, or that you’re not paying a higher price for a service because of a problem on the report. Mistakes are common so don’t be surprised if you find some. That’s why it’s so important to check to see what other companies know about you.

The companies who hold the reports are selling them and making big bucks. The data aggregation companies sell the reports to insurance companies, businesses, and landlords looking to do business with you. They are a tool to verify your information.

Sometimes it’s as easy as picking up the phone, other times you have to mail in a form with additional documentation to get the report.

Click below for an easy to follow pdf with all the info you need for the reports
DocumentsYouGetFree

Note: Annual Credit Report is not in the pdf. It’s easiest to order the report online or by phone by calling 1-877-322-8228.

1. FULL DISCLOSURE REPORT
If you are going to get any of these nine reports, the full disclosure report is the one you don’t want to miss. It includes public information that’s out there about you, and pulls from other consumer files that already exist like the C.L.U.E. report that I’ll explain later.

It includes any insurance claims, current insurance carrier, pre-employment check, criminal records, and personal credit information, and whether you’ve ever been evicted. While it sounds like a lot of reports, the file I had a consumer order in a test was simple to browse through and understand.

The report also comes with information on how to read the paperwork and how to dispute a claim.

To request a Full Disclosure report:
You need to fill out a form and include documents that identify who you are and paperwork that verifies your mailing address. If you have questions, check out the company’s FAQs.

Mail the completed form and supporting documents to:
LexisNexis Consumer Center
Attn: Full File Disclosure
P.O. Box 105108
Atlanta, GA 30348-5108

2. PERSON REPORT
Public and private records are compiled into one report called an Accurint “Person Report.” LexisNexis provides the report, and while it’s not a consumer reporting agency, it’s a report you should get each year. Since it’s not a consumer reporting agency, the data in your report can’t be used to deny you credit, employment, or make tenant and housing decisions.

The report lists variations of your name, previous addresses, criminal history, FAA certification, FAA aircrafts, sexual offenses, and possible associates to name a few categories.

To request a Person Report:
You need to fill out an online form and include additional paperwork verifying your social security number, name, and current address. You need to mail the completed form along with accepted documents.

Accurint Consumer Inquiry Department
P.O. Box 105610
Atlanta, GA 30348-5610

It says it may take 30 to 60 days to get this report that compiles public and non-public information, but it took just two weeks when I had a consumer request the report.

3. TENANT REPORT
There are 2 major rental and tenant history reports that you’ll want to review. There may be others. This is a specialty market, so there are lots of agencies that compile this information for landlords.

CoreLogic Safe Rent provides information on your rental history, sex offender status, and if you have court records on file. It provides this information to third parties to screen tenants and employees.

You can also call the company at 1-800-815-8664.

Mail the completed form to:
Mail: CoreLogic SafeRent, Consumer Relations Department
P.O Box 509124
San Diego, CA  92150

LexisNexis also has a rental history report which you can obtain by mail or by calling 1-877-448-5732.

4. EMPLOYMENT REPORT
If you’ve applied for a job recently, you were probably asked for consent to obtain a report about you. It’s a screening mechanism to figure out if a candidate is a good hire.

There is controversy in this type of reporting. Some consumer advocates believe your employer should tell you the company they use to screen you, but this only happens in California.

LexisNexis provides the background report that includes your employment history, but there is not a report on every person.

To see if there is an Employment report on you, call 1-866-312-8075.

You may have to fill out a form and include additional verification documentation to get your report.

5. WORK NUMBER REPORT
This report is another specialty report that doesn’t exist for everyone. It includes information on your employment and income for companies that send data to this database.

The Work Number is an automated system that serves over 190 million employees and human resource and payroll services. It’s a way for a company to verify employment and income for an individual. This information may be used by a lender, apartment manager, or employer to verify your income. Social service agencies may also use the information to verify if a person’s income qualifies under the agency’s guidelines. Companies also give employees access to the information for quick and easy verification of your information and W-2.

To obtain The Work Number report:
TALX provides the report.  To request it in writing fill out a request form. Again, this report will not exist for every person. You need to include proof of identity and your address.
Mail the completed form to:
TALX Corporation
ATTN: Employment Data Report – Dept 19-10
11432 Lackland
St. Louis, MO 63146

6. MEDICAL REPORT
These reports are not available for everyone. You’ll only see this report if you’ve disclosed this information as part of an application for individually underwritten life, health, or disability income insurance during the previous seven years AND if that company uses these databases.

You need to be careful, just like when you order your free credit report, that you are going through the proper site to get this report for free. There is a site (Annual Medical Report) that makes you think it’s the official site to order your report, but doing so will cost you $30.

The Medical Information Bureau and FTC came to an agreement in 1995 to offer consumers information. MIB has around 750 member insurance companies. This report can contain medical information, drug use, criminal activity, driving record, genetic history, and if you participate in a dangerous sport.

To obtain your medical report:
Medical Information Bureau (MIB): 1-866-692-6901

7. PRESCRIPTION REPORT
Just like the medical report, there is not a report on every person.

Many people didn’t even know these prescription history reports were available until 2007 when the Federal Trade Commission sued the owner of IntelliScript and MedPoint databases. These reports contain prescription history reports on insurance policy applicants. The patient or applicant gives consent to release the information for the last five years of prescription drug purchases.

“Consumer reporting companies sell information that can play a critical role in the price consumers pay for a variety of products and services – or even whether they’re eligible for them,” FTC’s Consumer Protection Bureau Director Lydia Parnes said at the time. “These cases make clear that all consumer reporting companies must comply with the laws that protect consumers’ rights.” Now, these reports are open to the public once a year for free.

With MedPoint, you have to leave a voicemail message with all kinds of personal information including your social security number. It’s to prove you are who you say you are. You also need to leave the name of the company you applied to for insurance.

You have to leave a message with IntelliScript which is a report about your prescriptions. You reach a voicemail from a woman named “Lori.” With this company, you only need to provide the last four digits of your social security number and you can have it emailed to you. The message says a report can only be issued for the individual named in the report, and if it’s your child you need permission from that person.

To obtain your prescription report:
MedPoint by Ingenix: 1-888-206-0335

Or, you can mail a letter with your first and last name, date of birth, complete SS#, mailing address, name of insurance company you applied to for coverage, and your phone number.

MedPoint Compliance
2525 Lake Park Blvd.
Salt Lake City, Utah 84120

IntelliScript: 1-877-211-4816

8. INSURANCE CLAIM REPORT
When a company decides whether to insure you or not, you’re often asked about previous claims. To verify whether you’re telling the truth or not, there are companies that compile this information for verification purposes.

There is a C.L.U.E. report or Comprehensive Loss Underwriting Exchange which reports claims on property and auto insurance policies. The report covers seven years of losses and includes the amount of the claim.

The A-Plus report is the Automobile Property Loss Underwriting System. According to the company’s website, the database contains information on insurance claims from 95% of the insurance industry. Some states even contribute data.

To obtain your insurance report:
A-Plus Report: 1-800-627-3487

C.L.U.E. Report: 1-866-312-8076

You can also order the C.L.U.E report online by creating a user ID and password, or you can fill out a form and mail it in to the company.

You don’t need to order this C.L.U.E. report if you got the Comprehensive Report. It’s duplicate information, because the same company provides the information.

9. CHECK WRITING REPORT
Just like the tenant history report, there are many specialty agencies providing information on your check writing history. This is typically the system a business runs your check through when you write a check for a purchase.

ChexSystems maintains information from banks and credit unions on your check writing history. You can fill out an online survey and application. There is no need to print a form. However, you can mail in a form if you prefer that method of contact.

You can mail the form to:
ChexSystems, Inc
Attn: Consumer Relations
7805 Hudson Rd, Suite 100
Woodbury, MN 55125

The Shared Check Authorization Network or SCAN is a database of bad check writers. You can request a report by calling 1-800-262-7711.

TeleCheck requires you provide personal information like your bank number and social security number to get your file. You need to send a request with your daytime phone number, a copy of your driver’s license, social security number, a voided check, and a copy of your tax or utility bill showing your current address.

You can mail the request to:
TeleCheck Services, Inc.
Attention: Consumer Resolutions-FA
P.O. Box 4514
Houston, TX 77210-4514

The company also has a 1-800 number but calling that did not get us a copy of our report. It refers you to mail in information.

10. CREDIT REPORT
Your credit report is the report we all know about thanks to Annual Credit Report. Make sure you don’t click on Freecreditreport.com because that will cost you money.

Make sure you check this report at least once a year, because there are often mistakes. Annual Credit Report will not give you your credit score. That information is not free unless you’ve been denied credit.

TIP: While you can check your report once a year for free, there are three agencies or credit bureaus offering the reports. To keep an eye on your credit year round, check one of the three agency’s reports every three months. Example: Check Experian’s report via Annual Credit Report in January, check TransUnion’s in May, and Check Equifax in September.

If you’d like to order all these reports at once, just click on the handy pdf I put together with all the information you need for the reports. Note: I did not put Annual Credit Report paperwork in the pdf because it’s easiest to order online.
DocumentsYouGetFree

Related links you may like:
Click here to see step by step instructions on getting your annual credit report including screen shots
Click here to see how your credit score is calcuated

3 responses to “10 consumer reports you should get

  1. How i best go about defense of a unlawful landlord, if other than standard law enforcement, and when the point they best be contacted falls, any specific board or entity i will alert i am needing the contact, tel.number etc., information. My inquiry here is regarding consumer/tennant advisory, i have an issue where i am aware the landlord is breaking civil rights standards accorfing to tennant landlord code here(Missouri) and request upon this whether a specific party handles this feild or if a general police reporting is the most effective protective first step for me.

    • Mike, Thanks for your comment. If the issue is over money or repairs, and it’s only a few thousand dollars you can try small claims court. You don’t need a lawyer, but there is a cap on the amount you can recover. Most civil cases are handled independently in court unless you feel it’s a police matter which then you should file a police report. Hope this helps. Thanks.

  2. Thanks Johanna for your comment. I’m not sure they are still in this business for consumers. Here is a customer contact number to get in touch with them to see if they have a record on file now that they are a new company. Let me know what you find. Thanks. 800-765-6713

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