I’m sure you know that you can get a free copy of your credit report by logging on to www.AnnualCreditReport.com.
But, here’s what you may not know—there are other agencies that provide specialty reports, such as your history of filing insurance claims, traffic violations, medical information and public record of liens, property ownership, criminal history and bankruptcy.
You can find a list of all 40 of them by visiting www.cfpb.gov. In the search tab, enter the words “consumer reporting agencies.”
Here are just a few of them, where you can get a free report on the information that have about you!
· Insurance Information Exchange
o Motor vehicle records, including traffic violations. www.IIX.com
· Insurance Services Office
o Collects information about insurance claims and property losses. www.ISO.com
· CLUE Auto Reports
o Provides info about auto insurance claims. https://personalreports.lexisnexis.com/
· National Consumer Telecom & Utilities Exchange
o Provides info regarding requests for utility hook ups, payment histories and defaults. www.NCTUE.com
· MIB, Inc.
o Information about medical conditions collected on applications by insurance companies when you apply for life or health insurance. www.MIB.com
· Milliman IntelliScript
o Collects information about your drug and prescription history. www.RXHistories.com
· First Advantage
o Provides background screening services when you apply for a job. www.FADV.com
With most of these companies, you are able to check your own records at least once a year. As I mentioned before, you can check the list of other off-the-grid reporting services by going to the Consumer Protection Bureau’s website.