Specialty credit reports – the ‘other’ reports you don’t know about

By William E. Lewis Jr.

For the Deseret News

Published: Monday, May 21 2012 3:34 p.m. MDT

  1. When shopping for homeowner or automobile insurance. Order a copy of your CLUE (comprehensive loss underwriting exchange) or A-Plus claims report. If you filed claims on existing policies, review the report for accuracy.
  2. If someone has fraudulently accessed your bank account. Order a copy of your Chexsystems report.
  3. When applying for employment. Find out the name of the screening company and order a copy of your report prior to authorizing release to a third-party.
  4. If you are an identity theft victim. Order all credit and specialty consumer reports. Place a fraud alert and dispute all information related to the identity theft.
  5. If you plan to rent a home. Order your tenant history report.
  6. When applying for private health, life, long-term care or disability insurance. Order your MIB report from the Medical Information Bureau.

Unlike the credit reporting agencies of Equifax, Experian and TransUnion, there is no “one-stop shop” for obtaining your specialty consumer reports. An individual request must be submitted to each agency.

To order a check writing history report, contact Chexsystems at 800-428-9623; Shared Check Authorization Network at 800-262-7771; and Telecheck at 800-366-2425.

To order a tenant history report, contact ChoicePoint at 877-448-5732 and SafeRent at 888-333-2413.

To order an insurance claims history report, contact ChoicePoint at 866-312-8076 and A-Plus Reports at 800-709-8842.

To order a medical history report, contact Medical Information Bureau at 866-692-6901.

To order a prescription history report, contact MedPoint at 888-206-0335 and IntelliScript at 877-211-4816.

To order an employment background screening report, contact ChoicePoint at 866-312-8075.

To order a ChoicePoint Full File Disclosure, visit choicetrust.com.

For more information on a wide range of consumer protection topics, including background checks, medical records and other privacy issues, visit the Privacy Rights Clearinghouse at privacyrights.org.

Bill Lewis is the principal of William E. Lewis Jr. & Associates and host of the Credit Report with Bill Lewis — a daily forum for business and financial news, politics, economic trends and issues on AM 740 WSBR in south Florida.

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