Most of us are aware of the need to monitor
our credit reports. But did you know there other agencies keeping track
of you?
You already know credit bureaus are watching you - and
hopefully you're seeing what they're saying by getting a free copy of
your credit history every year. But you know, your credit report is really just
the tip of the iceberg. Here are five other reports keeping an eye on
various other parts of your life. For example, you've got Medical Reports. They keep
track of conditions you have and prescriptions you fill. You might have a
Residential or Tenant report- whether you've paid your rent on time or
skipped out on a lease, A Check Writing History Report- whether you've
bounced checks and how you have closed accounts, Insurance Claims
reports are used by companies to see when and why you made a home or
auto claim and then there's Employment Data reports - detailing salary,
job title and basic information that might not show up in other types of
reports.
As with credit reports, you can get one free specialty
report a year, and if you've been denied a checking account, job,
insurance policy or something else you've applied for, you can also get a
copy of the report that caused the denial. Now there's no one central depository where you
can get all these reports, and in fact, you can't even just go online
like you can with your credit report and instantly see a copy of it.
With these things, you have to send in a form and then get something
back in the mail up to 15 days later. Still, it's nice to know who's
keeping tabs on you and what they're saying.
Bottom line? These reports matter, and you should stay
on top of them, especially if you're doing something like applying for
an important job or getting insurance. We'll show you how to get the
reports. Just go to moneytalksnews.com and search for "Reports."
