Credit Reports

Become a customer to utilize our cost-effective on-line information searches.

Click on the navigation links below for descriptions of the various Credit Reports:

		Dun & Bradstreet Credit Report
		Experian Business Credit Report
		PEER® Employment Report
		Trans Union Credit Report
		Equifax Credit Report
		Experian Credit Report
		Tenant Rental History Report
		Sub-Prime Credit Search
		Bankruptcy Search Verification

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.