Smart Credit Checks for Confident Decisions
Assess financial reliability with comprehensive credit reports. Get credit scores, payment history, public records, and risk indicators — fast, compliant, and easy to understand.
⚠️ Important: Credit Checks Require Permissible Purpose
Under the Fair Credit Reporting Act (FCRA), credit reports can only be obtained for permissible purposes including:
- ✓Tenant screening — Landlords evaluating rental applications
- ✓Employment decisions — Employers for positions involving financial responsibility
- ✓Credit/lending decisions — Lenders evaluating loan applications
- ✓Insurance underwriting — Insurers assessing risk
All credit checks require written consumer authorization. We provide compliant consent forms and disclosures.
What’s Included in Our Credit Reports
Comprehensive financial data to assess creditworthiness and risk.
Credit Score & Rating
Instant access to credit scores from major bureaus to quickly assess financial reliability.
- ✓FICO® Score
- ✓VantageScore
- ✓Score factors
- ✓Risk tier classification
- ✓Score comparison
Account & Payment History
View open accounts, credit utilization, payment patterns, and delinquency history.
- ✓Open credit accounts
- ✓Account balances
- ✓Payment history
- ✓Late payment records
- ✓Collections accounts
Public Records
Check for bankruptcies, liens, judgments, and other public financial records.
- ✓Bankruptcy filings
- ✓Tax liens
- ✓Civil judgments
- ✓Foreclosures
- ✓Repossessions
Credit Inquiries
See recent credit applications and inquiries that may indicate over-extension.
- ✓Hard inquiries
- ✓Soft inquiries
- ✓Inquiry dates
- ✓Creditor names
- ✓Inquiry frequency
Debt Overview
Total debt analysis including revolving credit, installment loans, and debt-to-income indicators.
- ✓Total debt amount
- ✓Credit utilization
- ✓Available credit
- ✓Monthly obligations
- ✓Debt trends
Alerts & Red Flags
Automated alerts for high-risk patterns, fraud indicators, and concerning activity.
- ✓Fraud alerts
- ✓Security freezes
- ✓Address discrepancies
- ✓High-risk indicators
- ✓Identity flags
How Credit Checks Work
Compliant, authorized process from request to report.
Get Authorization
The applicant provides written consent using our FCRA-compliant authorization forms. We handle disclosures and requirements.
We Pull the Report
Using the applicant’s information, we securely retrieve credit data from major bureaus through regulated channels.
Review & Decide
Receive a clear, easy-to-read report with scores, history, and risk indicators to inform your decision.
Who Uses Credit Checks?
Credit reports for every permissible purpose.
Landlords & Property Managers
Screen tenants for financial responsibility before signing leases. Predict rent payment reliability.
- ✓Rental applications
- ✓Payment history analysis
- ✓Eviction + credit bundle
- ✓Risk scoring
Employers & HR
Assess financial responsibility for positions handling money, sensitive data, or fiduciary duties.
- ✓Financial positions
- ✓Executive screening
- ✓Security clearances
- ✓Compliance roles
Lenders & Financial Services
Evaluate creditworthiness for loan applications, credit extensions, and account approvals.
- ✓Loan applications
- ✓Credit decisions
- ✓Risk assessment
- ✓Account reviews
Credit Checks by Use Case
Different purposes have different requirements and report types.
🏠 Tenant Credit Check
Designed specifically for landlords and property managers evaluating rental applicants.
- ✓Credit score & summary
- ✓Payment history
- ✓Collections & delinquencies
- ✓Bankruptcies & judgments
- ✓Rental payment prediction
Often bundled with: Eviction history, criminal records, income verification
👔 Employment Credit Check
Modified credit report for employment decisions — does not include credit score in most states.
- ✓Account history
- ✓Payment patterns
- ✓Public records
- ✓Debt overview
- ✓Credit score excluded*
*Note: Many states restrict or prohibit employment credit checks. We ensure compliance.
FCRA & State Compliance Built In
We handle the legal complexity so you don’t have to.
FCRA Compliant
Full compliance with Fair Credit Reporting Act requirements for all credit checks.
Consent Forms
We provide legally required authorization forms, disclosures, and notices.
Adverse Action
Built-in adverse action workflow if you deny based on credit information.
State Laws
We track state restrictions on employment credit checks and ensure compliance.
State Restrictions on Employment Credit Checks
Several states restrict or limit the use of credit checks for employment purposes, including California, Colorado, Connecticut, Hawaii, Illinois, Maryland, Nevada, Oregon, Vermont, Washington, and others. We automatically apply state-specific rules and will notify you if a check is restricted in your state.
Credit Check Pricing
Pay per report. No subscriptions required.
Credit Score Only
$8/report
Quick credit score check
- ✓Credit score
- ✓Score factors
- ✓Risk tier
- ✓Instant delivery
Full Credit Report
$25/report
Complete credit analysis
- ✓Credit score & factors
- ✓Account history
- ✓Public records
- ✓Inquiries & alerts
Tenant Package
$45/package
Credit + eviction + criminal
- ✓Full credit report
- ✓Eviction history
- ✓Criminal records
- ✓Identity verification
Volume discounts available for property managers and businesses with recurring needs.
View Full Pricing →Credit Check FAQs
Common questions about credit reports and screening.
Do I need the applicant’s permission?
Yes. The FCRA requires written authorization from the consumer before pulling a credit report for employment, tenant screening, or lending purposes. We provide compliant consent forms.
Will a credit check hurt the applicant’s score?
Credit checks for employment and tenant screening are typically “soft” inquiries that don’t affect credit scores. However, some credit-granting pulls may be “hard” inquiries with minor, temporary impact.
Can I run credit checks on employees?
Yes, but with restrictions. Many states limit or prohibit employment credit checks except for specific positions (financial, security, etc.). We track state laws and ensure compliance.
What if I deny someone based on their credit?
You must follow the adverse action process: provide the applicant with a copy of the report, the credit bureau’s contact info, and notice of their right to dispute. We provide templates and guidance.
How quickly do I get results?
Credit reports are typically delivered within minutes once the applicant completes authorization. Some complex cases may take a few hours for additional verification.
What credit bureaus do you use?
We pull data from Experian, Equifax, and TransUnion — the three major US credit bureaus. Report type may vary based on your use case and package selected.
Combine with Other Screening Services
Credit checks work best as part of a comprehensive screening package.
Get a Credit Report Today
With fast delivery, clear insights, and full legal compliance, we help you assess creditworthiness while saving time and reducing risk. No subscriptions required.
Run a Credit Check NowPay per report • Fast results • FCRA compliant
