What is the term for general reports of the applicant's finances, character, work, hobbies, and habits?

The term that describes general reports of an applicant's finances, character, work, hobbies, and habits is known as an Investigative Consumer Report. This type of report is more comprehensive than standard consumer reports, as it includes detailed accounts gathered through personal interviews with friends, family, and colleagues, as well as observations of the individual's lifestyle and behaviors.

Investigative Consumer Reports are primarily used by insurance companies and lenders to assess the risks associated with insuring or extending credit to an applicant. By examining various facets of an individual’s background, including their personal and professional life, these reports help insurers and lenders make informed decisions regarding policy approval and pricing.

In contrast, other types of reports, such as a Consumer Report, focus on credit history and public records but do not delve into character assessments and personal interviews. A Character Reference Report is not a standard term used in insurance evaluations, and a Financial Disclosure Report typically refers to a specific document detailing an individual's income and debts, rather than a broader analysis of personal attributes and behaviors.