What are investigative consumer reports?

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.