Getting a Personal
Cash Advance in Spite
of Poor Credit
Getting Your Files
Credit Checks
Here are the annual data reports you should check each year for signs of possible ID
theft, and where to get them. Most are free.
ChoicePoint Full File Disclosure includes a public-records search, auto and homeowner claims reports, pre-employment background checks, searches for criminal records and evictions, and address history. Go to www.choicetrust.com and click on "Access Your Personal Information."
Social Security statements show your earnings history and should match your own earnings records. The government mails the statement annually, but if you've misplaced it or haven't received one, you can order a copy online by going to www.ssa.gov and clicking on "Your Social Security Earnings Statement."
Annual statement of medical benefit is a record of your health-insurance claims and medical treatment. Contact your health insurer to find out how to get this information.
MIB consumer file has coded listings of medical conditions and tests, hazardous hobbies, and driving records. It's used by U.S. and Canadian life insurers to decide whether to issue a policy. Call 866-692-6901 or go to www.mib.com/html/request_your_record.html.
Prescription drug history has information about the medications you've taken over the last five years, including dosages, your refill record, and the doctors who prescribed them. Call Intelliscript at 877-211-4816 and Medpoint at 888-206-0335.
Driving record has your history of moving violations, points, your physical description, address, license status, and other details. Contact your state department of motor vehicles directly to get a copy for a fee. Beware of online middlemen selling the same information at higher costs.
Chex Systems and TeleCheck reports have information about mishandled and overdrawn checking accounts. For Chex Systems, go to www.consumerdebit.com and click on "Order Consumer Report." For TeleCheck, go to www.firstdata.com/telecheck/telecheck-request-file-report.htm.
Rental history reports have information on your rent payments, references, and evictions. For information on getting your report from First Advantage SafeRent, call 800-815-8664 or go to www.fadvsaferent.com/consumer_relations/index.php. For your RentBureau report, go to www.rentbureau.com/multifamily and click on "Consumers."
This article appeared in Consumer Reports Money Adviser. Posted: July 2010 - Consumer Reports Money Adviser issue, July 2010. http://consumerreportsmoneyadviser.org/
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