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

magLinks updated 2018. 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 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, because if I was a landlord I’d avoid anyone with previous blemishes on their record.

Rental History

Realpage 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, Inc. 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.

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.

Insurance Information Exchange (now owned by 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.

Drivers History. Provides reports to its insurance clients containing information and data collected from open public sources and governmental agencies regarding driving violations issued to specific individuals.

Utilities

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.

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.

American Databank, LLC.

Backgroundchecks.com.

EmployeeScreenIQ.

General Information Services.

HireRight.

Info Cubic.

IntelliCorp.

OPENonline.

Pre-employ.

Professional Screening & Information, Inc.

Sterling Talent Solutions (formerly Sterling Backcheck or Sterling Infosystems)

Trak-1 Technology.

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

Sam’s Club: Free 3-Month Membership Extension (or Full Refund Upon Cancellation)

sams200bSam’s Club is offering all of their members a free 3-month extension if you fill out the linked form by March 31, 2018. This is in response to their sudden closure of 63 Sam’s Club locations (about 10% of all stores).

Alternatively, you can cancel your membership and receive a full refund via electronic gift card within 7 days (I want to say you can use this at Wal-Mart, otherwise where would you spend it? Just pay the 5% surcharge?) or mailed check within 6 weeks. If you take the free extension, you can still decide to cancel with free refund later.

50% of American Households Don’t Own Any Stocks At All

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Big List of Free Consumer Data Reports (1/2): See Your Confidential Credit, Banking, and Payday Lending Data

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Markets Rise and Fall: Is Your Portfolio Ready For Both?

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It would be great if you could invest in things with high and reliable returns, going up and up consistently like clockwork and without worry. Unfortunately, that's usually the sign of a Ponzi scheme. The chart above illustrates what you have to … [Read the rest]

What If You Invested $10,000 Every Year For the Last 10 Years? 2008-2017 Edition

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Instead of just looking at one year of returns, here's an annual exercise that helps you look at the bigger picture. You may know the 10-year historical return of the S&P 500, but most of us didn't just invest a big lump sum of money a decade ago, … [Read the rest]

Best Interest Rates on Cash – January 2018

Short-term interest rates are rising. Megabanks make billions by pay you nothing for your idle cash. Here is my monthly roundup of the best safe rates available, roughly sorted from shortest to longest maturities. Check out my Ultimate … [Read the rest]

Navy Federal Credit Union 0% APR No Balance Transfer Fee Promotion

Navy Federal Credit Union (NFCU) has a limited-time promotion where both new and existing NFCU credit cardholders can get 0% intro APR on balance transfers for 12 months. You must transfer a non-Navy Federal credit card balance before February 28, … [Read the rest]

Citi Simplicity Card Review: 0% for 21 Months (1.75 Years), No Late Fees, No Penalty Rates

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This offer is now EXPIRED. One of the most common New Year's resolutions is to pay down debt. Rewards-earning credit cards may not be optimal for those carrying balances and thus more impacted by 18% interest rates than a relatively puny 2% back … [Read the rest]

H&R Block Desktop Tax Software 2017: Fed + State $20 (1/4 Flash Sale)

Deal of the Day again 1/4/18. The benefit of "old-school" desktop tax software is that it doesn't require your Social Security Number and financial details to be stored in the cloud. Here's a limited-time deal on H&R Block Tax Software 2017 … [Read the rest]

CIT Bank Review: Premier High Yield Savings 1.55% APY, 11-Month No Penalty CD 1.55% APY

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S&P 500 Monthly Total Returns 1990-2017: First 14-Month Win Streak

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