The Medical Information Bureau (MIB) is a specialized consumer reporting agency that collects and shares medical and insurance-related information. It is primarily used by life, health, disability, and long-term care insurance companies to detect errors, omissions, or potential fraud during the underwriting process.

MIB does not determine your credit score or lending eligibility but instead maintains records of significant medical conditions, risky hobbies (like skydiving), and prior insurance applications. Insurers use MIB reports to verify the accuracy of the information you provide when applying for new coverage.

As with credit bureaus, you have the right under the Fair Credit Reporting Act (FCRA) to request your MIB file once per year and dispute any inaccurate or outdated information. If incorrect medical codes or entries appear, you can file a dispute directly with MIB to have them corrected or removed.