1. If a company or person wants to confirm that Mr. Smith graduated from UCLA or NYU, what company keeps record of this? Or do they just call the schools registers department? 2. If a company (mostly insurance companies) wants to find out if you have ever filed insurance claims with another insurance company, do they have to call the other insurance company or is there a database with this info? Also is there a database which lists who you are insured with, how long, how much and for what type of insurance? Thanks for any info anyone may have to share.