Updated for 2015! As these are available only every 12 months, it is a good idea to check them the same time each year.
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. Request your free copy 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, because if I was a landlord I’d avoid anyone with previous blemishes on their record.
Realpage Consumer Report. Provides tenant screening through their LeasingDesk product, including “the industry’s largest rental payment history database.”
- RealPage.com report request page
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.
- CoreLogic.com report request page (see bottom)
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.
- FAdv.com report request page
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.
- CICReports.com report request page (see bottom)
- 800-288-4757 (Option 5)
Tenant Data. Provides tenant history reports, including any reported damages, unpaid balances, evictions, lease violations, noise complaints, or unauthorized pets.
- TenantData.com report request page
- 800-228-1837 (Option 6)
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.
- LexisNexis.com CLUE report request page
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.
- LexisNexis.com CLUE report request page
Verisk Analytics aka ISO aka A-PLUS Loss History Reports. ISO stands for Insurance Services Office, A-PLUS stands for Automated Property Loss Underwriting System. Auto and property loss claim history.
- Verisk.com report request page
Insurance Information Exchange. 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.
- IIX.com report request page
National Consumer Telecom and Utilities Exchange. NCTUE is a “membership of companies that provide services (telecommunication, pay TV, and utilities) [...] to aid in risk mitigation.” Basically they track when people don’t pay their phone, cable, or utility bills. One free report every 12 months.
- NCTUE.com report request page
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.
- MIB.com report request page (see bottom)
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.”
- RXHistories.com report request page
OptumRX / MedPoint Health Report. Tracks your prescription drug purchase history. Now called OptumRX, formerly Ingenix.
- OptumRX.com report request page
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.
- TheWorkNumber.com report request page
Accurate Background, Inc.
- AccurateBackground.com report request page
American Databank, LLC.
- AmericanDatabank.com report request page
- EmployeeCcreen.com report request page
- 800-235-3954 (Option 5)
General Information Services.
- GenInfo.com report request page
- HireRight.com report request page
Professional Screening & Information, Inc.
- PSIBackgroundCheck.com report request page
SterlingBackcheck (formerly Sterling Infosystems)
- SterlinkBackCheck.com report request page
- Trak-1.com report request page
- VerificationsInc.com report request page