What is in an investigative consumer report?

Answer 1

An "investigative consumer report" is a detailed form of a credit report that involves interviews with your neighbors or acquaintances about your lifestyle, character, and reputation.


Investigative consumer reports may be used in connection with insurance and employment applications. You'll be notified in writing when a company orders such a report. The notice will explain your right to request certain information about the report from the company you applied to. If your application is rejected, you may get additional information from the credit reporting agency (CRA). However, the CRA does not have to reveal the sources of the information.

Answer 2

That reporter is looking into some issue a consumer has had , for example contractors taking the money and running and not doing the work they were contracted for or doing it badly.

Or looking into why someone is being charged more money than usual for say a phone bill.

Consumer reporting is looking out for the little guy by investigative reporters who have experience in ferreting out bad businesses.

Answer 3

It's a combination of a credit report and a report of any open arrests and convictions. It may also include interviews with neighbors and business associates.

Answer 4

It is combination of credit rating, criminal records, education credential and reference check by personal interviews with neighbors, friends, associates or knowledgeable acquaintances of the individual reported on Specific factual information on an individual's credit record obtained directly from a creditor of the inidividual himself is not included with the definition.