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Checking Credit & Insurance History Reports

August 13th, 2006 at 01:20 am

I sat down and did a little bit of checking on my public records today. I haven't seen my credit report since I bought the house 9 months ago, so I thought it was time for a look-see at that. Also I've been considering changing auto insurance, so I checked my claims history there to see if it was what I expected it to be.

Here's info about the sites that I used for future reference and in case anyone else finds the info helpful.

You all know about http://www.annualcreditreport.com, I'm sure--the source to get your credit report once a year from each of the three major credit reporting agencies. You can opt either to get all three at once, or space them out and get one report every 4 months from a different agency. The downside is that you don't get your actual FICO score.

You *can* get those for free, but it involves signing up for a 30-day free trial at one of the services who offer monthly monitoring, and then remembering to cancel before your 30 days is up! More info at http://www.cardratings.com/creditratert.html

Another helpful site is http://www.choicepoint.com. This one has info on how to get your employment history, tenant history, insurance claims history, how to get copies of your birth, marriage, & divorce certificates, also applying for a passport or visa, and also info on screening workers who come to your home and doctors for suits filed against them. Most of these reports cost a nominal fee, but you can get the record of your insurance claims for free.

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