 national specialty reports most people are aware of the fact that you can get a free copy of your credit reports once a year from each of the major credit reporting agencies equifax experian and transunion but there are other nationwide consumer reporting agencies that collect and sell consumer information by law they must provide you with a free annual copy of your report and you probably won t have a file with all of these agencies free chexsystems certegy check systems and telecheck reports chexsystems chex systems inc collects information from member financial institutions and shares it with them to assess the risk of opening new checking accounts a chex systems report can include personal identifying information negative information such as checks returned for nonsufficient funds nsf inquiries into the file by financial institutions or the consumer a history of checks ordered and information about checks bounced at retailers as reported by certegy check services inc see below chexsystems only maintains negative information for five years certegy check systems inc certegy describes itself as a check risk management company that provides verification guarantee and risk analysis to thousands of businesses that choose to accept checks as a form of payment for goods or services in other words merchants use their service to help them decide whether to accept individual checks certegy doesn t make the actual decision of whether to accept or reject a check that s left to the merchant but they do help the merchant make that decision if you have had a merchant who uses certegy decline a check the company recommends you complete and submit a certegy gold application it s free and allows them to assess additional information not provided with your original check transaction certegy says the gold application can help consumers avoid most check declines the form is available at askcertegycom in addition to a free annual file disclosure certegy offers a free declined check lookup service on its website telecheck telecheck describes itself as an industry leader in check acceptance check processing and risk analysis services to thousands of retailers and financial institutions it offers a service called telecheck electronic check acceptance that authorizes check transactions and converts paper checks into electronic items at the point of sale if you ve ever made a check purchase where you paid by check but were given an electronic receipt of the transaction to sign then you have seen this system in action telecheck will analyze a transaction against its database of bank and checking account information and use riskbased decision tools to alert merchants to potential fraud before they accept individual checks you can think of it as similar to the way creditors use credit scores but telecheck doesn t check standard credit reports or scores to make decisions it also doesn t check the balance in an account when a check is presented if risk factors are identified it is possible for a check to be labeled as risky even if the account holder has never bounced a check before chexsytems 18004289623 or consumerdebitcom certegy check systems inc 18665436315 or askcertegycom telecheck firstdata 18003662425 or firstdatacom free tenant history reports lexisnexis screening solutions inc resident history report contains information related to your tenant history along with other background information corelogic saferent explains on its website that it provides information to the multifamily housing industry and employers housing providers may obtain your consumer report to assist them in making leasing and employment decisions reports can include rental performance history criminal and or landlordtenant records tenant data services provides prospective landlords with rental performance information such as damages evictions lease violations noise complaints rent and deposit verification and unauthorized pets lexisnexis call 8774485732 or https personalreportslexisnexiscom corelogic saferent fadvsarerentcom or call 18883332413 tenant data services tenantdatacom free insurance reports there are two nationwide consumer reporting agencies from which you can request a free annual disclosure of your insurance report iso aplus auto property loss history report member insurance companies share information about auto and property insurance claims filed by an individual or business or by other individuals or businesses at the location of risk or for an automobile or property that will be insured this information is used by prospective insurers to help evaluate the risk of granting a new policy clue comprehensive loss underwriting exchange clue also allows insurance companies to access and use prior loss information when evaluating insurance applications participating insurance companies share data with clue which then provides it to insurance companies who request reports about consumers there are two types of clue insurance reports auto and personal property homeowner information about losses can remain in the database for up to seven years iso a plus report 18006273487 or visit http wwwisocom http wwwisocom products aplus consumersorderyourfreeaplusloss  lexis nexis clue auto or personal property insurance reports 18663128076 or visit https personalreportslexisnexiscom free employment reports there are two nationwide specialty reporting agencies that provide free annual disclosures to consumers under the fact act  lexisnexis lexisnexis risk solutions is one of the leading provider of background checks in north america and conducts background screening for over half of the fortune 500 companies their employment history report can include information about your employment history along with other background information note that if lexisnexis has not provided an employment history report about you to an employer you will not have a report on file with them the work number the work number most popular feature is its employment and income verification service it is used by preemployment personnel and others who need to verify someone s employment status lexis nexis call 18663128075 or visit the lexisnexis website the work number call 18666046570 or visit theworknumbercom free medical report there are three agencies from which you can request your free annual disclosure  medical information bureau mib  this agency collects information that is used by underwriters who are evaluating applications for life health or disability insurance policies medically significant information is reported in the underwriting process mib file exists for the last seven years and if you have applied for individually underwritten life health or disability income insurance igenix medpoint and milliman intelliscript these firms specialize in electronic prescription histories information about prescriptions you have had filled in the past five years may be found in their databases as with the mib report if you haven t applied for individual health life or disability insurance there will be no report about you plus your written authorization will be required first mib 8666926901 or mibcom milliman intelliscript 8772114816 or rxhistoriescom igenix medpoint 8882060335 