BOWMAN'S MONEY COLLEGE - FINANCIAL EDUCATION WITH STRATEGIES TO SAVE MONEY

ChoiceTrust Work History, Insurance and Public Record Reports

choice point work history report,choice point loss history,choice point insurance,employer background checksEver wonder what people are saying about you behind your back? Well, thanks to the Fair Credit Reporting Act you can now have the “fly on the wall” advantage that allows you to see and hear what is being said. You may find out that your landlord, past employers, creditors, banker, favorite department stores, hospital, and insurance company have all had lots to tell each other about you. Is what they are saying accurate? If it is not you may be paying more for insurance then you should and missing other economic related opportunities. It could affect how much you pay for insurance, if you get the job you want, or if you get in to the apartment you like.

Credit reports are only half the conversation.
Even before the Great Recession of 2008 hit we were talking about credit reports and their impact on our ability to get loans, larger credit lines, and lower mortgage rates. What lenders say about you, as documented on your credit report, carries a lot of weight. If you never see your credit report you will not have any idea what is being said about you. The same is true about your employment verification records, tenant history record, and your insurance loss history report. If there is false or inaccurate information on these you may be paying more for less and missing opportunities. In addition to information provided by credit bureaus there is another company compiling telling information about you of which you should be aware.

Who is ChoiceTrust and why do they sell my information?
There are many reasons to be aware of who and what ChoiceTrust is. Privacy concerns would be one, as well as, personal finance reasons. According to the ChoiceTrust website, “ChoiceTrust is a website owned by LexisNexis. Through ChoiceTrust, consumers can order reports about themselves and can order certain reports on other people such as prospective caretakers, contractors, and physicians. The reports made available through ChoiceTrust are prepared and provided by various LexisNexis entities.” They can also provide reports to employers, landlords, and insurance companies regarding your past insurance claims, rental history, and employment history.
The economic opportunities presented or closed to you will often result from what your financially related history says about you. ChoiceTrust is eager to sell that information through their website. Having accurate and fair reports about your economic activity can determine if you get insurance and how much it will cost, if you get the apartment or home you want, or if your home will sell.

What is a loss history report?
Also known as C.L.U.E. reports (Comprehensive Loss Underwriting Exchange) these reports are provided to insurers so that they can evaluate your past insurance claims. These reports become part of an insurer’s own formula for determining your rates and insurability. Obviously, just like with credit reports, you would want to insure that the information on an insurance loss history report is correct. For more information on loss history reports and where the information found on the reports comes from read the article "Checking Your Records" found on this site.

Checking your own reports
Due to the rights you have through the Fair Credit Reporting Act you may view the same reports about you that anyone else can. You can get a free work history report and other reports. On the ChoiceTrust website you can order a personal records search, your home insurance score (based on Equifax credit report), your C.LU.E. personal property report, your C.L.U.E. auto report, your AUTO insurance score (based on Equifax credit report, home seller’s disclosure report, tenant history report, and employment history report.

Additionally, you may order reports to check backgrounds and public records for businesses and individuals such as nannies, tutors, pet sitters, contractors, house cleaners, home nurses, and other services given access to your home. You can also conduct a credential check on doctors, chiropractors, or dentists. All reports and checks have a cost to you.

Finally, keep in mind that ChoiceTrust sells your information to marketers. If you are not happy with having your information sold to marketing firms you can opt out. Go here to opt out.

Additionally, if you are a law enforcement officer, publicly elected official, or victim of identity theft you may opt out of public facing products. That means that individuals can not order background checks or other telling information about you.

 

http://www.privacyatchoicepoint.com/optout_ext.html
http://www.watchyourwealth.com/articles/choicepoint.html
https://www.lexisnexis.com/privacy/for-consumers/opt-out-of-lexisnexis.aspx

choice point work history report,choice point loss history,choice point insurance,employer background checks

 

This is from the LexisNexis website:
LexisNexis Public Facing Products[1]
Individuals may opt-out of LexisNexis public facing products1 in accordance with laws or if permitted by LexisNexis policy.

Certain state laws provide that their law enforcement officers and specific public and elected officials can opt-out of LexisNexis public facing products.1 In addition, public and elected officials, including law enforcement officers, may request to opt-out of LexisNexis public facing products1 in cases where the official is on a high-profile assignment, or under threat of death or serious bodily harm. Law enforcement officers and public and elected officials may submit their opt-out requests using the form at the link below.

Private individuals who are facing a substantial risk of physical harm or who are victims of identity theft may request to opt-out of LexisNexis public facing products.1 Individuals who request to opt-out for these reasons may submit their requests online or by mail. Each request must include documentation substantiating the risk of physical harm or the individual's status as an identity theft victim. Acceptable documentation is as follows:
If you are a law enforcement officer or public official, submit a letter from your supervisor stating that your position exposes you to a threat of death or serious bodily harm; or

If you are a victim of identity theft, submit a copy of a police report documenting the identity theft or documentation that verifies the identity theft claim such as a letter from your credit card company, and an Identity Theft Affidavit; or

If you are at risk of physical harm but do not work in law enforcement, submit a copy of a protective court order, a copy of a police report or similar documentation such as a letter from a social worker, a shelter administrator or a health care professional.

Requests may be submitted using the form at the link below. If the supporting documentation cannot be uploaded, individuals may submit their requests online, but also must mail the supporting documents to this address:
LexisNexis Opt-Out
PO Box 933
Dayton, OH 45401

 

 

How To Dispute Information Found On Your Insurance Loss History Report
Found at ChoiceTrust.com website:

STEP 1
If you wish to dispute information about you in a report ordered for insurance purposes (C.L.U.E., A.D.D, Current Carrier, and MVRs), your Employment Report, your Tenant Report, or your Credit Report, you may do so by contacting us as follows:

* For Reports Ordered for Insurance Purposes (C.L.U.E., A.D.D, Current Carrier, and MVRs)

ChoicePoint Insurance Consumer Center
PO Box 105292
Atlanta, GA 30348

Or call the toll free telephone number provided on the copy of the report you received.

To order a copy of your report you may contact us at the address shown above, or by telephone toll-free at:

800-456-6004

* For Employment Reports and Credit Reports Ordered for Employment Screening

ChoicePoint WorkPlace Solutions Inc. Consumer Center
PO Box 105292
Atlanta, GA 30348

Or call the toll free telephone number provided on the copy of the report you received.

To order a copy of your report you may contact us at the address shown above, or by telephone toll-free at:

800-845-6004

* For Tenant Reports and Credit Reports ordered for Tenant Screening

Resident Data, Inc. Consumer Center
PO Box 850216
Richardson, TX 75085-0126

Or call the toll free telephone number provided on the copy of the report you received.

To order a copy of your report you may contact us at the address shown above, or by telephone toll-free at:

800-487-3246

* For All Other Credit Reports, Including Those Ordered for Insurance Purposes

ChoicePoint Credit Consumer Center
PO Box 105289
Atlanta, GA 30348

Or call the toll free telephone number provided on the copy of the report you received.

To order a copy of your report you may contact us at the address shown above, or by telephone toll-free at:

800-456-6004

* For additional details regarding any information shown on your report, please contact the toll-free number provided on your report or contact:

The ChoicePoint Consumer Center
P.O. Box 105108
Atlanta, Georgia 30348-5108
- or -
consumer.center@choicepoint.com



STEP 2
C.L.U.E. Reports, Employment Reports, Tenant Reports: Upon receipt of your dispute, we have 30 days to conduct a reinvestigation of the information disputed and to record the current status of the information on your file or, in some instances, delete the information from your file. We will provide you with notice of the results of our reinvestigation no later than 5 business days after the completion of the reinvestigation. This notice will be provided to you by mail.

Credit Reports: Upon receipt of your dispute, we will determine whether the disputed information is incomplete or inaccurate as a result of our actions. If so, we will correct the information in your file or delete it within 20 days of receiving your dispute. If we determine that the information is not incomplete or inaccurate as a result of our actions, we will convey your dispute to the credit reporting agency from which we ordered your credit report. That credit reporting agency must conduct a reinvestigation of the information disputed and inform us of the results within 30 days of receiving notice of the dispute from us. We will then notify you of the results of the reinvestigation undertaken by the credit bureau.


STEP 3
C.L.U.E. Reports, Employment Reports, Tenant Reports: If a reinvestigation does not resolve the dispute as you wish, you may submit a brief statement setting forth the nature of the dispute and we will insert this statement into your file. It will appear in any future report we issue that contains the disputed information.

Credit Reports: If a reinvestigation of your credit report does not resolve the dispute as you wish, you may contact us or the credit bureau directly to file a statement for inclusion on your report.
About Home Mike's Story Sitemap Blog Stories Success Story Classes Seminars Contact Ghost Writing LinkedIn

"Bowman's Money College, Penn Hills - Turning  poor into more"
Bowman's Money College, located in Penn Hills, is published to provide personal insights and opinions on saving and managing money, budgeting, and reducing debt. Also provided are ways to start a small business, decrease your tax liability, and build wealth. Bowman's Money College does not give professional accounting, legal, or investing counsel. The ideas, examples, and advice presented on this site are solely the opinion of the author based on his personal experiences. 412-376-SAVE © All rights reserved. Contact at LinkedIn.