If you live in the US, they have a file on you and it's probably very thick. A credit report will run a couple of pages long, the LexusNexus report on me (a com

If you live in the US, they have a file on you and it's probably very thick. A credit report will run a couple of pages long, the LexusNexus report on me (a complete nobody) cost them about $8 to mail. It contained many errors, mostly about property I don't own but also about an insurance claim I never made. Like your credit report, you can get a free copy by writing them and requesting a copy. IIRC when I did it a few years ago, I had to make the request in writing, I wasn't able to order it online, at least not for free.