What types of information does a Consumer Report typically include?

A Consumer Report generally contains information about an individual's credit standing and personal reputation. This type of report assesses a person’s creditworthiness based on their credit history, payment history, outstanding debts, and other financial behaviors. The focus of a Consumer Report is to help lenders, insurers, and employers evaluate the overall financial reliability and character of an individual.

While elements like claims history and loss runs are crucial in the context of underwriting and risk assessment for insurance purposes, these details do not form part of a typical Consumer Report. Similarly, data regarding property value and market trends falls outside the scope of a Consumer Report, as it pertains more to real estate and economic indicators. Lastly, specifics about insurance policy limits relate to the terms of an individual’s insurance coverage rather than their personal credit information, which is what a Consumer Report aims to capture.