Most of us know about the free credit reports from AnnualCreditReport.com. This is mandated by the Fair and Accurate Credit Transactions (FACT) Act, which basically says that consumers should be able to see (and dispute) the massive amount of information contained in private corporate databases. But in addition to credit information, there are a lot of other databases with your personal information floating around. You can get one of each report free every rolling 12-month period.
Insurance Claims History
If you would like to know what the insurance companies are saying about you behind your back, you definitely want to get a free copy of your CLUE Personal Auto Report and Personal Property Reports, which you can get instantly online or by calling 1-866-312-8076. CLUE stands for Comprehensive Loss Underwriting Exchange.
The C.L.U.E. ®Personal Property report provides a seven year history of losses associated with an individual and his/her personal property. The following data will be identified for each loss: date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name.
The C.L.U.E. ®Auto report provides a seven year history of automobile insurance losses associated with an individual. The following data will be identified for each loss: date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name.
In addition, you should also request your free A-PLUS report (Automated Property Loss Underwriting System), which is a smaller database that also contains information about property loss claims. Insurance companies use this data to decide your premiums, so you’ll want to clear up any mistakes right away as they are probably costing you money right now!
This brings me to another use for CLUE reports. If you are seriously looking at buying a home, you should spend the $20 and get the CLUE report for the property and see its claim history. For example, if the water heater broke and flooded the basement two years ago, you may have a hard time finding homeowner’s insurance due to mold concerns.
Employment History Report
When a potential employer runs a background check through ChoicePoint, this is the information they see. It doesn’t seem to claim be comprehensive, as their site states:
The ChoicePoint Workplace Solutions Inc. Employment History report contains information related to your employment history as well as other information regarding your background. […] Our files would only contain information on you if ChoicePoint provided your Employment History Report to an employer.
I would think you’d still want to make sure nothing inaccurate is on there. To get your free employment history report, call 1-866-312-8075. More information here.
Tenant History Report
This report will can be important if you are a renter and someone runs a background check on you at ChoicePoint.
The Resident Data Inc. Tenant History report contains information related to your tenant history as well as other information regarding your background. […] Our files would only contain information on you if ChoicePoint provided your Tenant History Report to a housing provider.
To get your free tenant history report, call 1-877-448-5732. More information here.
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Thi sis pretty cool. Can’t get enough of find things out about myself. 🙂
Good article. I honestly never would have known that these things exist and were possible to look up.
Did you find much on yourself with the searches?
Jonathan, Wanted to let you know that you are a “hot topic” on slickdeals.net.
http://forums.slickdeals.net/showthread.php?threadid=837471
It doesn’t appear that you were given credit for finding this info.
what about medical history and medical insurance claims?
Jessica – Thanks for pointing that out. It wouldn’t hurt as much if it wasn’t a total cut-n-paste job. I left a nice note.
Matt – Great question. Here is the only national medically related database I could find: MIB Consumer file request
check this out: http://www.creditkarma.com/
What a great post! I’m going to check CLUE to see what they’re saying about our rental properties. They’re going to make me send in some hard copies of statements and such, but I think it’ll be worth the little bit of inconvenience.
THANK YOU!
Choicepoint will also send your complete FACT file with them, including all those separate reports you just listed (you don’t need to request each one separately). They are really weird about getting the exact ID documents from you to identify you (I had to re-send my ID’s like 3 times before they accepted them for some reason. They seem disorganized over there)
http://www.choicepoint.com/consumer/all_products.html
For tenant records there’s another company that keeps files on tenants, it’s called First Advantage SafeRent http://www.fadvsaferent.com/
they will give you a free report as well. I remember a few years ago an attorney told me I could sue these tenant history companies for any inaccurate info remaining on my report after I wrote them requesting changes w/proof (they ignored it)
Also Telecheck is another bank record company to get a free report from. They record bounced checks. http://www.firstdata.com/support/telecheck_consumer_services/consumer_contacts.htm
To Matt: I don’t believe any company is allowed to legally record your total medical history like heart attacks etc. That would be violating your privacy. At the doctor’s office they may have you sign a waiver allowing them to speak with your insurance and their office workers about claims, so whatever med condition you used insurance for would be recorded at MIB.
Just an FYI. I’m out of the U.S. for an extended period. All those services won’t allow non U.S. ISP access. ;( Boo-hoo. Have to wait until I’m back in the country to find out my records.
I won a court case against but he won’t pay. I need to find out if and where he works so I can garnish his wages but I don’t want to pay as he has already cost me 2k. Is there anywhere I can get free info if a person works…I have his SSN and birth date and location. Thanks. Steve, scjcsa@hotmail.com