Thursday, October 13, 2005

How to Get a Free Background Check ... On Yourself

How to Get a Free Background Check ... On Yourself

They don't call it the information age for nothing. There are dozens of organizations compiling information on you -- your earnings history, places where you lived, driving record, credit-worthiness, criminal history, aliases and maiden names, and so on.

Make sure your privacy is properly protected. Find out what 'they' know about that most special person in your life...you!

Instructions

    1

    **Check Your LexisNexis/Acurint Report**

    LexisNexis probably has as much information in their databases as Google itself, but unlike Google, Lexis keeps things private, unless you pay for it.

    Their Acurint reports are detailed personal histories with names, addresses, phone numbers, social security, relatives, employment, bankruptcies, and a lot more.

    You are entitled to get a copy of your own Acruint report at no charge. You have to provide a lot of information to prove that you are, in fact, you (but LexisNexis says that they do not use the information provided for any other purpose, like expanding their data files).

    Visit the LexisNexis Consumer Access page (listed in the Resources section) to request your personal records.

    2

    **Check Your Credit History**

    At annualcreditreport.com, you can get a free copy of your credit report, prepared by the major credit history companies -- Experian, Equifax, and TransUnion.

    You're entitled to one free copy a year.

    3

    **Get Your Teletrack Consumer Report**

    Teletrack provides consumer history information to certain types of financing and loans, like payday loans, rent-to-own stores, and consumer financing from furniture stores, auto finance companies, and the like.

    If you have been turned down for credit from a business like these, you can request a copy of your Teletrack file through their Consumers Report page at teletrack.com/consumers

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