You most likely know the drill when it comes to the importance of checking the accuracy of your credit report, which lenders review before deciding to make a loan or issue a credit card. Federal law allows you to get a free copy of it once a year.
But there are dozens of other companies that gather consumer data for narrower purposes, and they are also required by the Fair Credit Reporting Act to give you access to your report annually. They might gather information about your employment history, your medical conditions or your track record as a renter.
Two companies may be relevant here. The Work Number, a service of Equifax Workforce Solutions, verifies job and income information for many big employers, lenders and government agencies. MIB Group, formerly known as the Medical Information Bureau, helps insurance companies with underwriting for consumers seeking life, disability or long-term care insurance, and similar types of coverage.
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