What distinguishes Investigative Consumer Reports from standard consumer reports?

Investigative Consumer Reports are unique because they involve the collection of detailed personal information through interviews with individuals who are familiar with the consumer, such as friends, neighbors, or colleagues. This process allows for a more in-depth understanding of the consumer's character, reputation, and lifestyle, which goes beyond the basic numerical data provided in standard consumer reports.

Standard consumer reports primarily focus on credit history and financial behaviors, including credit scores and payment histories, but they do not delve into personal insights or subjective evaluations. Investigative Consumer Reports, on the other hand, provide context and qualitative information that can be crucial in certain scenarios, such as life insurance underwriting, where an insurer may want to assess the overall risk associated with an individual beyond numbers alone. Thus, the thoroughness of information gathered through interviews helps to create a more holistic view of the consumer's lifestyle and integrity.