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Home > On-Demand Employment Solutions > Credit Check Services
Credit History Report Checks
A credit history report provides a wealth of knowledge on your suppliers/vendors and job candidates. Sign up now for online access to our credit history report services and our wide selection of data sources. Protect your business assets and start making more informed decisions today with e-VERIFILE’s comprehensive credit check services.
With affordable prices, no software to install or learn, and enhanced security, isn’t it time you invested in regular credit check searches for vendors you rely upon or applicants you trust with your company’s proprietary information? Pay as you order the reports you want – it’s that easy to protect your assets and reduce liabilities.
Fast, Affordable Credit Check Services
We invite you to become a customer to utilize our cost-effective, online credit history report and information searches. Does your organization require an “A” credit rating to do business with a consumer or would you consider “B,” “C”, or “D” ratings as well? If you’re unsure, e-VERIFILE can help your company with credit check services to determine how bad is bad and fit the consumer to your specified criteria.
Choose e-VERIFILE for your credit history report needs. Learn more by clicking on the navigation links below for descriptions of our credit check services:
Business Credit
Reports
- Dun & Bradstreet --Now Available--
- Experian --Pending
--
Represents a current,
objective picture of how a business handles its financial obligations.
The Business Credit Reports from Dun & Bradstreet or Experian help
you make effective business decisions to minimize your risk by providing:
actual trade data experiences, public record information, company background,
and comparative data placing a company's payment performance in context
with its industry.
PEER® Employment
Report
This employment version
of a consumer credit report is specifically designed for hiring purposes
and can provide valuable insight into an applicant's financial responsibilities
as well as verify previous employment and past address information.
Some of the "critical facts" included in this report are: applicant
identification information, former addresses, past employment, payment
status and history as well as detailing the promptness of an applicant's
ability to meet regular financial obligations, and pertinent public records
(collections, lawsuits, or judgments).
Consumer Credit
Reports
In file consumer
credit reports from all three National Repositories - Trans Union,
Equifax and Experian. Risk Models can be added as well, including Fair
Isaac (FICO) Scores and Bankruptcy Scores. These reports are extremely
helpful in evaluating credit risk and useful as a valuable collection
tool. Addresses and Phone Numbers of all Creditors and Inquiry Companies
are contained in each reports Creditor Phonebook section. Requires
a Permissible Purpose as specified by The Fair
Credit Reporting Act (FCRA).
Tenant Rental
History Report
e-VERIFILE.COM provides
access to over 21 million files on rental histories supplied by a national
network of property managers who have rented or are currently renting
to your consumer. Move-ins, move-outs, evictions, judgments for possession
and rent, property damage, unlawful detainers and skips are reported
as they happen. This database also includes the reporting of excellent
rental history that, at times, can be the only source of positive credit
history available.
Sub-Prime Credit
Search --Pending--
Contains information
on consumers who have skipped on rental, finance, or service agreements,
have stolen merchandise or automobiles, used a fraudulent social security
number, or have written uncollectable checks. (Requires a signed consumer
release.)
e-VERIFILE.COM provides access to sub-prime consumer information records.
This information is collected from merchants who interface with high-risk
consumers daily, including rent-to-own stores, sub-prime furniture and
appliance stores, sub-prime consumer finance companies, sub-prime auto
dealers, sub-prime mortgage companies, check advance/deferred deposit/payday
loan companies, title loan companies and cable television companies.
Many of these merchants either do not report back to traditional consumer
reporting companies, or don't do so in a timely manner. Therefore, when
an individual falls into the sub-prime category, often the only source
of current information is this database.
Bankruptcy
Search Verification
A national search for
records of all bankruptcies. The information returned may include date
filed, Attorney/Trustee name, address, and phone number, date and time
of the first meeting of creditors (341 meeting), discharges, dismissals
and conversions.
If you are involved in collection, fraud prevention, new account authorization,
or bankruptcy legal handling, now you have a better way to track current
bankruptcy information. You can search a database of almost 7 million
records covering all 50 states plus the District of Columbia, Puerto
Rico and the Virgin Islands.
e-VERIFILE.COM provides
real-time access on all bankruptcy filings, discharges, dismissals
and conversions. Case numbers are monitored for each court according
to numbers filed in each division--this assures that all findings,
341 meetings, discharges dismissals, and conversions are found.
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