The Address history search searches a combination of pre and post Gramm-Leach-Bliley Act credit header data from some of the largest credit reporting agencies, along with other data points from consumer and government databases to gather information about an individual based on their Social Security Number. The information includes Name, Aliases, DOB, Death Index Indicator and Addresses Used by Name and Date.
Credit history can offer extra insight into an applicant or tenants history. Reports will show both positive and negative credit information, and bankruptcies, as well as credit and address history.
Pre-Employment Credit Report
Pre-Employment credit reports will provide you with information about a the candidate’s name/alias names, DOB and usually the last 3 addresses on file. Reports will provide you with a summary/overview status of all their accounts, display any items deemed a Public record. Public Records are things like Bankruptcies, and Evictions. Reports will provide you with all account/trade names and the status of the account/trades. This can include showing whether the account is open, closed, in collections. Reports will show how on time or late the payments are on the account, how many days they are behind, the high limits, and current balances. Reports will explain what type of accounts they are, whether they are Revolving, Mortgage, Installment, School etc. Reports will show you a history of inquiries on the candidate’s credit file and any history of reported employment/employer(s) on the candidate’s credit file.
Tenant Credit Report
Tenant reports will include all of the information from the Pre-Employment reports, plus it will show that magical FICO score along with the reasons or factors that determined that score. Tenant reports will show the account/credit card number on Revolving trades/Credit card accounts when listing all the information on an account. Employment reports omit the account/credit card number but list all other items, including the name of the account/trade. Tenant reports are what is called a Hard inquiry, which means it impacts/hits your credit/FICO score. Employment reports are considered Soft inquiries, and do not impact/hit your score.
Homeland Security Check
A Homeland Security Check checks an applicant in over one hundred International databases which include the names of individuals, organizations and companies Identified by the Department of Homeland Security to be a potential threat to national and/or global security.
Electronic I-9 Services will verify the legal “right to work” status via seamless integration to the Dept. of Homeland Security and the U.S. Citizen’s and Immigration Service (USCIS). I-9 forms and other documentation will be stored online and provide instant access to work status directly through integration to the E-Verify system.