You may contact me with any questions or concerns with any of the data on this page. It is not related to any of the professional services I offer but I will try to help you if possible.
Free Annual Consumer Reports
As we get older, so does our history and personal records. Who keeps these records? Why is your insurance rate set a certain way? What about that check that bounced? Is this information saved for others to see? Below I will show the different private companies that save everything about you. This information is provided to other private companies that you may do business with. The information might be how many claims you made on your car, do you work, or even how long have you lived at your current apartment. It takes a lot of time and a bit of effort to request all reports, but knowing who has what information about you could save you precious time and even money in the future. If requesting all at one time seems overwhelming, only work on one each day.
Note: You may request a free report from all the listed agencies one time per 12-month period. Some reports will have no data. This might be because you have not dealt with companies that submit data to the reporting agency. If an agency has data that you disagree with, you may dispute the information with the reporting agency.
IMPORTANT: Save a copy of any report that you request! Save a copy to your computer, email a copy to yourself, or print a copy. Good record keeping is essential for stability!
1. CLUE report is used for car insurance or home insurance. The report is provided by LexisNexis, a company based in Atlanta, Georgia.
https://personalreports.lexisnexis.com/
2. A-PLUS report is used for your car insurance. The report is provided by Verisk Analytics, located in Jersey City, New Jersey.
www.verisk.com/underwriting/order-an-a-plus-loss-history-report.html
3. First Advantage report is used for employment and rental history. The report is provided by First Advantage, located in Atlanta, Georgia.
www.fadv.com/free-report-for-consumers.aspx
4. Employment Data report is used for employment. The report is provided by Equifax, located in Atlanta, Georgia.
https://www.theworknumber.com/Employees/DataReport/index.asp
5. Intelliscript report is used for medical prescriptions. The report is provided by Milliman, located in Seattle, Washington.
http://www.rxhistories.com/RequestAReport/
6. MIB Consumer File is used for medical insurances. The report is provided by MIB, located in Braintree, Massachusetts.
www.mib.com/
7. Tenant History report is used for rental history. The report is provided by Tenant Data Services, located in Omaha, Nebraska.
http://tenantdata.com/for-consumers/
8. Safe Rent report is used for rental history. The report is provided by Core Logic, located in Irvine, California.
http://www.corelogic.com/downloadable-docs/saferent-consumer-disclosure.pdf
9. TeleCheck report is used for check history. The report is provided by First Data, located in Atlanta, Georgia.
https://www.firstdata.com/telecheck/telecheck-file-report.html
10. Certegy File report is used for check history. The report is provided by Certegy, located in Tampa, Florida.
https://www.askcertegy.com/FACT.jsp
11. Consumer Disclosure report AND Consumer Score report is used for credit history. The report is provided by Chex Systems, located in Woodbury, Minnesota.
https://www.chexsystems.com
12. Tri-Bureau Credit report is used for credit history. The report is provided by Experian (Dublin, Ireland), TransUnion (Chicago, IL), and Equifax (Atlanta, GA)
https://www.annualcreditreport.com
13. Texas Driver Record is not a yearly report, but you can still pull it for driving history. The report is provided by Texas Department of Public Safety, located in Austin, TX.
https://txapps.texas.gov/tolapp/txldrcdr/TXDPSLicenseeManager
https://personalreports.lexisnexis.com/
2. A-PLUS report is used for your car insurance. The report is provided by Verisk Analytics, located in Jersey City, New Jersey.
www.verisk.com/underwriting/order-an-a-plus-loss-history-report.html
3. First Advantage report is used for employment and rental history. The report is provided by First Advantage, located in Atlanta, Georgia.
www.fadv.com/free-report-for-consumers.aspx
4. Employment Data report is used for employment. The report is provided by Equifax, located in Atlanta, Georgia.
https://www.theworknumber.com/Employees/DataReport/index.asp
5. Intelliscript report is used for medical prescriptions. The report is provided by Milliman, located in Seattle, Washington.
http://www.rxhistories.com/RequestAReport/
6. MIB Consumer File is used for medical insurances. The report is provided by MIB, located in Braintree, Massachusetts.
www.mib.com/
7. Tenant History report is used for rental history. The report is provided by Tenant Data Services, located in Omaha, Nebraska.
http://tenantdata.com/for-consumers/
8. Safe Rent report is used for rental history. The report is provided by Core Logic, located in Irvine, California.
http://www.corelogic.com/downloadable-docs/saferent-consumer-disclosure.pdf
9. TeleCheck report is used for check history. The report is provided by First Data, located in Atlanta, Georgia.
https://www.firstdata.com/telecheck/telecheck-file-report.html
10. Certegy File report is used for check history. The report is provided by Certegy, located in Tampa, Florida.
https://www.askcertegy.com/FACT.jsp
11. Consumer Disclosure report AND Consumer Score report is used for credit history. The report is provided by Chex Systems, located in Woodbury, Minnesota.
https://www.chexsystems.com
12. Tri-Bureau Credit report is used for credit history. The report is provided by Experian (Dublin, Ireland), TransUnion (Chicago, IL), and Equifax (Atlanta, GA)
https://www.annualcreditreport.com
13. Texas Driver Record is not a yearly report, but you can still pull it for driving history. The report is provided by Texas Department of Public Safety, located in Austin, TX.
https://txapps.texas.gov/tolapp/txldrcdr/TXDPSLicenseeManager