Pre-Employment Credit Report
A Credit Report is essential to the hiring process in certain industries. Management of personal finances can be a strong indicator of an applicant’s ability to prioritize and manage corporate responsibilities—especially when handling sensitive financial matters or cash. It’s important to note that an employment credit check is a “soft inquiry,” meaning it does not affect an applicant’s credit score or appear on credit reports used by lenders.
- These reports feature the following information:
- The Credit header will list the last three known addresses.
- Employment information, where available.
- Public record items, if they exist, including:
- Tax liens (reported for seven years after a lien is filed).
- Judgments (report for seven years after judgment is entered)
- Chapter 7 bankruptcies (reported for 10 years following the bankruptcy).
- Chapter 13 bankruptcies (reported for seven years following the bankruptcy).
- Collection items: (if they exist) and their status.
- A listing of accounts, in order from “worst to best” of creditors, allowing you to easily interpret the information.
- Results are available in real time.
Credit Report Features
- Up to seven years of public records are listed.
- You also will see a list of other companies making employment inquiries into the applicant’s credit file.
- Credit Reports require a name, address, Social Security Number, and a signed release form from the applicant.
Credit Report Resources
Similar Reports
County Criminal Check |
| County Criminal Background Checks are an essential part of many comprehensive background check solutions. This reports criminal activity from individual, selected counties — anywhere in the U.S. |
Federal Criminal Check |
| Federal Criminal Background Check reports will show if the applicant has had any criminal cases filed against them that violated federal criminal law. This searches a specific federal district court’s records. |
Tenant Credit Report |
| Designed for use with tenant background checks, our consumer credit report differs from the pre-employment credit report in that it provides the FICO score and will create a “ding” on their credit. |
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