What additional information does an investigative consumer report provide compared to a standard consumer report?

An investigative consumer report offers in-depth insights into a consumer's character, reputation, and habits, which go beyond the more straightforward and typically financial-focused data found in a standard consumer report. While a standard consumer report might include information such as credit scores, payment history, or public records related to financial behavior, the investigative report delves into aspects that assess the individual’s personality and behaviors. This can include interviews with acquaintances, neighbors, or colleagues to gain a well-rounded view of the individual's overall character and lifestyle.

In contrast, information like income levels, medical history, and credit scores focuses primarily on financial aspects or specific personal data, which are not the primary emphasis of investigative reports. Thus, the unique value of an investigative consumer report lies in its ability to provide a more comprehensive perspective on a person's character and social conduct, which can be critical for insurance underwriting and decision-making.