Big List of Free Consumer Data Reports (2/2): See Your Confidential Rental History, Insurance, Retail, & Employment Data

January 11, 2021 By Jonathan Ping 12 Comments
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magUpdated for 2021. Here is the second part of my big list of free consumer reports from over 50 different reporting agencies. The first part included your credit, banking, and subprime lending-related information. This part includes your housing, insurance, and employment history. You can request a free copy every 12 months of what these databases have stored about you and are telling prospective landlords, insurers, or employers.

Again, you may not need to check all of these, and many may not even have a file on you anyway. But for example if you are a renter then you’d want to make sure your rental history is clean and correct, or if were applying for life insurance you might check your medical reports.

Based on my situation, I have checked the following reports out of the ones listed below – CLUE Auto, CLUE Property, MIB.com, Milliman IntelliScript.

Rental History

Realpage (LeasingDesk) Consumer Report. Provides tenant screening through their LeasingDesk product, including “the industry’s largest rental payment history database.”

CoreLogic SafeRent. SafeRent provides both tenant and employment screening data, including information regarding landlord tenant and criminal public court records. One free report every 12 months.

Experian RentBureau Rental History Report. “Every 24 hours, Experian RentBureau receives updated rental payment history data from property owners/managers, electronic rent payment services and collection companies and makes that information available immediately to the multifamily industry through our resident screening partners.”

First Advantage Resident History Report. Tenant and employment background checks. One free report every 12 months.

Contemporary Information Corp. CIC provides background checks on prospective tenants and/or employees and contractors for landlords and management companies. Keep records of any rental evictions.

Tenant Data. Provides tenant history reports, including any reported damages, unpaid balances, evictions, lease violations, noise complaints, or unauthorized pets.

Screening Reports, Inc. A national provider of background screening service to the multi-family housing industry.

TransUnion Rental Screening Solutions. SmartMove provides tenant credit, eviction, and background checks.

  • MySmartMove.com FAQ page
  • SmartMove will disclose the contents of a criminal and/or credit report retained by SmartMove to an individual who requests a copy of their report. To verify your identity and obtain a copy of your report(s) or dispute any information within that report, please contact customer service at 866-775-0961.

Auto and Property Insurance

C.L.U.E. Personal Property Report. A division of LexisNexis, CLUE stands for Comprehensive Loss Underwriting Exchange, which collects information that is used to calculate your insurance premiums. This report provides a seven year history of losses associated with an individual and his/her personal property. Includes date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name. This also means you can find out about previous claims on the house you are currently renting or recently bought, even if they weren’t made by you.

C.L.U.E. Auto Report. This report provides a seven year history of automobile insurance losses associated with an individual. Includes date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name.

A-PLUS Loss History Reports, subsidiary of Verisk. ISO stands for Insurance Services Office, A-PLUS stands for Automated Property Loss Underwriting System. Auto and property loss claim history.

Drivers History. Owned by TransUnion. Collects driving violations.

Insurance Information Exchange (IIX), subsidiary of Verisk. Provide reports including your motor vehicle records and driver history, including any traffic violations or related criminal history. May require proof of adverse action to obtain free report.

Utilities

National Consumer Telecom and Utilities Exchange. NCTUE tracks when people don’t pay their phone, cable, or utility bills. One free report every 12 months.

Retail

The Retail Equation. Tracks product return and exchange abuse at retail merchants.

Gaming

VIP Preferred. Tracks consumer data regarding check-cashing at casinos.

Medical History

MIB (previously known as Medical Information Bureau). Run by 470 insurance companies with a “primary mission of detecting and deterring fraud that may occur in the course of obtaining life, health, disability income, critical illness, and long-term care insurance.” They record information of “underwriting significance” like medical conditions or hazardous activities. If you have not applied for individually underwritten life, health, or disability income insurance during the preceding seven year period, then you probably don’t have a record.

Milliman IntelliScript. Tracks your prescription drug purchase history. “Milliman IntelliScript will have prescription information about you only if you authorized the release of your medical records to an insurance company and that company requested that we gather a report on you.”

Employment History

The following companies all offer background screening services for employers. Most will not have any information about you unless you authorized a potential employer to run a background check on you (probably during the application process). Some will not provide you information unless there was adverse action. Otherwise, you can get one free copy every 12 months.

The Work Number (division of Equifax). They also keep historical income records.

Accurate Background, Inc.

  • AccurateBackground.com “You may contact our Client Services team at 800.216.8024, or send an email to customer_service@accurate.com. Please include your full name and the search reference ID, if available.”
  • 800-216-8024

American Databank, LLC.

Backgroundchecks.com.

Checkr

EmpInfo

  • EmpInfo.com report request page (scroll down to FCRA section).
  • Generally won’t have a report on everyone, only for people specifically requested by an employer.
  • 800-274-9694

First Advantage Background Check. Tenant and employment background checks. One free report every 12 months.

HireRight, recently merged with General Information Services (GIS)

Info Cubic.

IntelliCorp

OPENonline

Pre-employ

Professional Screening & Information, Inc.

Sterling (acquired EmployeeScreenIQ)

PeopleFacts

Truework

Reminder: Also see Part 1: Big List of Free Consumer Reports with Your Credit, Banking, and Payday Lending Data.

Sources: ConsumerFinance.gov, FTC.gov, Wikipedia

Filed Under: Career, Insurance, Real Estate
Last updated: January 11, 2021
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

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Comments

  1. Deb @ Saving the Crumbs says
    July 30, 2014 at 5:52 am

    Wow, never knew all these existed! So, since we’re in the blogging world, are there any blog reports other than checking Alexa.com? 🙂

    Reply
  2. Spbugge says
    September 27, 2014 at 3:16 pm

    This is really interesting, thank you so much!

    Reply
  3. Dan says
    January 2, 2015 at 9:36 pm

    I authorized an employment background check about 18 months ago. Would that “file” still be available? And if so, how would I determine which of the 11 companies that you’ve listed produced it? Should I call them all looking for my record?

    Thanks.

    Reply
  4. Justin says
    January 7, 2016 at 5:07 am

    Just out of curiosity, did you actually order a report from every one of these, including the ones in the previous post for credit and banking? That would be a lot of work. If you did, have you found that you have a file with most of these agencies?

    Reply
    • Jonathan Ping says
      January 7, 2016 at 10:03 am

      No, definitely not all, but several that I felt were most impactful for me. LexisNexis is a huge database, I would recommend them for sure. I did the major credit bureaus. I did most of the insurance databases, although many did not contain any of my information (still good to know). I don’t rent so I didn’t check any rental databases, same for payday lending, etc. I did ChexSystems but otherwise I have no problems getting opening credit or bank accounts so I didn’t do the smaller ones.

      Reply
  5. Mud Phud says
    January 12, 2018 at 9:16 pm

    Thank you for putting all of this together. Really have no idea how you found all of this (I never knew some of this existed!) but it is great to have it all in one place.

    Reply
  6. Not Mahatma Gandhi says
    January 14, 2018 at 4:46 am

    Panopticon: Seems we hardly need the NSA, FBI, Google, Facebook and the DEA illegally spying on us when all these for profit alternatives already exist.

    Reply
  7. Gina says
    May 8, 2018 at 9:07 am

    Where are these companies getting your rental history? Is there a main database where this information is pulled from or do you have to contact each individually to dispute information?

    Reply
  8. Tiffany says
    April 9, 2019 at 2:06 pm

    This list is holy grail!!!

    Reply
  9. Justjoeguy says
    June 14, 2019 at 12:49 pm

    Seems to be like Big Brother hiding in plain sight?

    Reply
  10. Larry Coleman says
    August 24, 2019 at 2:08 pm

    I really do enjoy the list. You forgot to add my company though(The Koleman Group LLC).

    Would really appreciate it!

    Reply
  11. Sam says
    May 16, 2020 at 9:01 pm

    Sift is another one.

    https://www.nytimes.com/2019/11/04/business/secret-consumer-score-access.html

    Reply

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