See what information businesses are sharing about you
Your driving record, your rental history, even what medications you take. Data brokers are collecting and sharing all sorts of information about you. Companies use the information to determine your car insurance rate, whether you'll get a job, or that apartment you want to lease. You may never know the real reason you were denied coverage or why your rates were raised unless you see what those businesses are seeing.
The same law that entitles you to a free copy of your credit report each year also gives you access to these free specialty reports annually. There are hundreds of them, according to the Privacy Rights Clearinghouse.
For example, every time you call to get a quote for car or homeowner's insurance, the company checks your CLUE report, short for Comprehensive Loss Underwriting Exchange. It contains all kinds of information about you. In addition to claims you've filed, it may also list your inquiries about coverage that never resulted in a claim. Insurance companies use all of the data to determine how likely you are to file a claim against your policy. You are entitled to one free copy of your CLUE report each year.
You can get your free claims history or CLUE report from LexisNexis, online at www.lexisnexis.com/risk/factact/ or call (866) 312-8076.
Want to know what landlords see about you? You can order a tenant screening report from several different data brokers. Since there are many screening report services, you should ask potential landlords which screening company they use to make sure you see what they see. RealPage LeasingDesk resident screening is just one of the services. Their reports include a rental payment history database, criminal background and rental credit checks. You can obtain your report by calling (866)-934-1124 or go to http://www.realpage.com/consumer-support/.
When you're looking for a job, don't think employers will only see the resume you provide. Many companies order employment data reports that will list your past and current employers, dates of employment and even your salary. The "Work Number" will provide you with one free Employment Data Report every 12 months. You can obtain a free annual disclosure by calling TALX directly at (866) 604-6570 or by going to https://www.theworknumber.com/Employees/DataReport/. You can download the Employment Data Report Request form and follow the instructions to complete and return the form to TALX Corporation. Once your request is received, your Employment Data Report will be mailed to you within 15 days.
If you believe information in your Employment Data Report is inaccurate, you may contact the Work Number’s Client Service Center at (800) 996-7566 to have your dispute investigated. Your information will be blocked from verifiers during the reinvestigation. Results of the reinvestigation will be provided within 30 days of receipt of a dispute.
If you've ever worked in retail, your name may appear in databases that identify former employees questioned or fired regarding an alleged theft even if there was never an arrest or conviction. To receive a free file disclosure from First Advantage Corporation, click here for instructions on how to get one.
The Privacy Rights Clearinghouse lists dozens of other specialty reports, how to request them and when you should obtain copies.