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List of Free Specialty Consumer Reports

Posted By Jim On 02/24/2010 @ 12:36 pm In Personal Finance | 31 Comments

After my post on requesting your CLUE reports [3], Reader Bob sent me an exceptionally long and comprehensive list of all the specialty consumer reports that you are entitled to every year. When I wrote my first request your specialty report post [4], I had about half a dozen… this expands the list by a lot.

I was amazed by the sheer number of companies that collect information about me. I was aware of the credit report companies, LexisNexis, and ChoicePoint, but there are a lot of smaller companies collecting data like rental history that I’ve never heard of. While I’ve never been too fearful of the idea of Big Brother, the number of companies collecting information about me, and you, is a little disconcerting!

Credit Reporting

Employment History Reports

  • The Work Number [8] – Entitled to one copy of your Employment Data Report which includes employment and income information from your employers who send data to The Work Number, information about lenders, credit agencies, and other verifiers that have received your data, any messages, alerts, or statements you have requested be put in your data file.
  • ChoicePoint [9] – The ChoicePoint Workplace Solutions Inc. Employment History report contains information related to your employment history as well as other information regarding your background. Also available free once a year.
  • Acxiom [10]

Auto & Home Insurance Claim Reports

Tenant History Reports

Full File Disclosure/Personal Information Reports

Check Writing Reports

  • ChexSystems [19] – Under the Fair and Accurate Credit Transaction Act (FACTA) amendments to the federal Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your consumer report, at your request, once every 12 months.
  • TeleCheck [20] – Available once every 12 months for free via psotal mail request.

Health History Reports

Miscellaneous

According to Bob, he compiled this list of consumer reports by using information extracted from the following sources: ConsumerReports.org [29], PrivacyRights.org [30], Bankrate [31], ListSergeant.com [32], MyFico.com [33], and CreditBoards.com [34].

If you know of any specialty consumer reports that aren’t on this list, let me know and I’ll include it.


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[1] Tweet: http://twitter.com/share

[2] Email: mailto:?subject=http://www.bargaineering.com/articles/list-of-free-specialty-consumer-reports.html

[3] requesting your CLUE reports: http://www.bargaineering.com/articles/request-your-clue-report.html

[4] request your specialty report post: http://www.bargaineering.com/articles/request-check-your-specialty-reports-annually.html

[5] AnnualCreditReport.com: https://www.annualcreditreport.com/cra/index.jsp

[6] Innovis: https://www.innovis.com/InnovisWeb/pers_orderCreditReport.html

[7] Payment Reporting Builds Credit (PRBC): http://prbc.com/main/dispute.php

[8] The Work Number: http://www.theworknumber.com/Employees/datareport.asp

[9] ChoicePoint: https://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=emphist

[10] Acxiom: http://www.acxiom.com/about_us/privacy/consumer_information/consumer_choices/Pages/ConsumerChoices.aspx

[11] ChoicePoint: https://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=clue_info

[12] Insurance Services Office (ISO): http://www.iso.com/Products/A-PLUS/Consumers-Order-Your-Free-A-PLUS-Loss-History-Report.html

[13] ChoicePoint: https://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=tenanthist

[14] First Advantage SafeRent: http://www.fadvsaferent.com/about/index.php

[15] Tenant Data Services: http://www.tenantdata.com/downloads/AuthorizationforFileDisclos_new.pdf

[16] RentBureau: http://www.rentbureau.com/consumers

[17] ChoicePoint: https://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channelwelcome&subchanneldisclosure

[18] LexisNexis: http://www.lexisnexis.com/privacy/for-consumers/request-personal-information.aspx

[19] ChexSystems: https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/report/index.htm

[20] TeleCheck: http://www.firstdata.com/telecheck/telecheck-request-file-report.htm

[21] Medical Information Bureau (MIB): http://www.mib.com/html/request_your_record.html

[22] Ingenix MedPoint: http://www.ingenix.com/ContactUs/

[23] Milliman IntelliScript: http://www.rxhistories.com/contact_us.html

[24] Social Security Administration: http://www.ssa.gov/online/ssa-7004.html

[25] Retail Equation: http://www.theretailequation.com/consumers/

[26] Central Credit: http://www.globalcashaccess.com./Cash_Access/Central_Credit.html

[27] TeleTrack: http://www.teletrack.com/consumers/

[28] National Consumer Telecom and Utilities Exchange, Inc (NCTUE): http://www.nctue.com/membership.html

[29] ConsumerReports.org: http://www.consumerreports.org/cro/money/consumer-protection/big-brother-is-watching/overview/index.htm

[30] PrivacyRights.org: http://www.privacyrights.org/fs/fs6b-SpecReports.htm

[31] Bankrate: http://www.bankrate.com/brm/news/debt/20061117_specialty_consumer_reporting_agencies_a1.asp

[32] ListSergeant.com: http://www.listsergeant.com/site/index.php/content/article/top_14_lesser_known_credit_bureaus/

[33] MyFico.com: http://ficoforums.myfico.com/fico/board/message?board.idgeneralcredit&thread.id 392&page1

[34] CreditBoards.com: http://creditboards.com/forums/index.php?showtopicv189&modethreaded

Thank you for reading!