In most states it will not be available.
Under the Fair Credit Reporting Act (FCRA) in the United States, if an insurer requests an investigative consumer report, they must notify the consumer in writing within three days of the request. This notification should inform the consumer that an investigative consumer report will be obtained and provide them with a summary of their rights under the FCRA. This ensures transparency and allows consumers to be aware of and verify the information gathered for insurance purposes.
Consumer information can be found on sites like Consumer World, TLS Data, RJ Consumer, Consumer Information Canada and Consumer FTC Info. There are also other websites available online for you to purchase consumer information.
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.
No they can't. if they do they must notify you in writing within 5 days of doing so, if they don't they have just violated your FCRA rights.FCRA § 611, Procedure in case of disputed accuracy [15 U.S.C. § 1681i]Requirements relating to reinsertion of previously deleted material.Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.(I) a statement that the disputed information has been reinserted;(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and(III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.
Locating information on settling credit card debt is readily available at many credible sources online. The information can be obtained from the Consumer Information site provided by the government. There are also many private companies with information available.
There are many online places one can find information for the term, times available for mortgage loans. Any company offering loans will be able to help the consumer with this information.
Consumer Reports has a nice listing and description of the best credit card deals available. The one downfall to Consumer Reports is that you need to have a paid subscription in order to access their best information.
Most state medical boards have website for consumers where this information is available.
Government benchmarks requires companies to disclose what is previously viewed as private information to the consumer. An example is companies selling food that have genetically been modified.
The Inn of Chicago has many packages available and I'm sure one of them will fit your needs as a consumer. theinnofchicago.com also has information on packages.
Information about refinancing a loan can be found on consumer finance websites such as MoneySavingExpert and MoneySupermarket. Information can also be found in the personal finance section of newspapers such as the Daily Telegraph and the Guardian.
10 years