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Investigative consumer reports are not really used to evaluate your creditworthiness. If fact, information from your credit report cannot be used in an investigative report.
An insurance company orders a consumer report on an existing policyholder to make sure the policyholder continues to qualify for the coverage in the policy. The insurance company learns that the consumers credit history has declined since the policy was written originally, and raises the consumers premiums.
No, requesting your credit report will not hurt your credit score. Checking your own credit report is not an inquiry about new credit, so it has no effect on your score.
Investigative consumer reports are not really used to evaluate your creditworthiness. If fact, information from your credit report cannot be used in an investigative report.
One important distinction to make is that investigative consumer reports will not include any information about your credit record obtained directly from a creditor or from you.

People also ask

These reports are used by employers for screening purposes to verify the information the applicant has provided is consistent and correct. Investigative consumer reports, on the other hand, can act as a standalone report or provide supplemental information to the consumer report. At One Source, we offer both options.
A credit report will document which accounts are in good standing, if any debts are past due, and other information about your financial history. A credit report, however, is a type of consumer report. A consumer report is a broader report that contains personal identifying information beyond credit.
California Civil Code Section 1786.2 defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through any means.
Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision-making situations.
A consumer report can contain a wide variety of information including credit history, past bankruptcy, judicial records, employment records, and even online activity. This information can only be accessed with approval from the individual and is highly regulated by the Fair Credit Reporting Act (FCRA).

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