Archive for the ‘ credit screening ’ Category

Order a Tenant Background Check – Accurate Credit Bureau

2 EASY STEPS TO ORDERING CREDIT AND BACKGROUND REPORTS ON PROSPECTIVE TENANTS

Step 1: Become a member – Click Here

 Step 2: Order reports: Order form, Signed Applications, and Picture ID – Click Here

 Tenant Credit Check $19.95: Decision credit report, or with an on-site inspection full consumer credit check.

 Landlord Preferred $29.95: Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades, Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Landlord Comprehensive $39.95: Criminal Record Search, Sex Offender Search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades, Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Landlord Complete $60.00: Criminal Record Search, Sex Offender Search, Police Record Search, Separate Bankruptcy Search, Second Criminal Record Database search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades,Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Comprehensive Background Bureau $22.50: Criminal Record Search, Sex Offender Search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Public Records, Bankruptcy

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Criminal Records Background Checks – Accurate Credit Bureau

Do you know what is on your criminal report? Accurate Credit Bureau offers comprehensive, nationwide criminal screening at an affordable price. No sign up is necessary. Order your report today and find out if there are any outstanding issues on your record. Results are returned to you via email within minutes. Here are a few other reasons to order a Comprehensive Criminal Background from Accurate:

1. Prospective Employers- Bring a copy of your criminal background check alongside your resume when attending job interviews. This will help to demonstrate your preparedness and set you apart from other applicants. If there is an outstanding record, this tactic will help to demonstrate honesty and give you a chance to explain any potential issues upfront, rather than the employer finding out at a later date.

2. Business partners/ventures- Criminal Records are public records, meaning that you can obtain a criminal background check on individuals without their prior written consent. This can be useful when collaborating on a new business venture, or when contemplating new business partners. Obtaining a Criminal background check through Accurate Credit Bureau will help to alleviate some concerns you may have, or alternatively help you decide if the partnership would be too much of a risk. Our background reports will show any prior criminal records such as DUI/DWI, worthless checks, sexual offenses, and much more.

3. Prospective Employees- Doing a criminal background check on prospective employees is highly recommended. This can help to determine which applicant’s may be best suited for the position. For example, if you are hiring for a position which involves driving, you may want to know if this person has any outstanding tickets or warrants.

4. Personal Employees – Reviewing the background of a person who will be working in your home is a good idea. Perhaps you are hiring a nanny or house keeper. You will want to make sure that these individuals do not have records or theft, violence, or sexual assault.

Eviction Reports

  1. Prospective Tenants – This is one of the most important reports to run.  An eviction report will let you know if someone has gone through the court system and forcefully evicted (removee) someone from their house.

SSN Verification

  1.  Prospective Employees – Know if the person is giving you a valid name and Social Security Number.  This will help to ensure everyone is legally working for you.
  2. Prospective Tenants – Verifying someone says who they are is key to building a good tenant landlord relationship.

Bankruptcy

It is more and more common to encounter a bankruptcy filing when screening new applicants for your vacancy. It’s important to know and understand the different types of bankruptcy filings and how they can affect your decision.  Bankruptcy essentially wipes out the debts amassed by an individual or business by offering creditors partial payment through the transfer of assets. There are three types of bankruptcy filings.

Chapter 7 – A widely used form of bankruptcy among business and real estate owners, Chapter 7 deals with the liquidation of assets. For example, if a business files for chapter 7, they must cease operations, sell off their assets (e.g. inventory, land, etc) to pay for part of the debt, and go out of business. If an individual files for Chapter 7, they must also liquidate assets they own such as real estate, automobiles, or recreational merchandise (boats, ATVs, etc).  It is common for landlords to come across chapter 7 filings because individuals who had to sell their home will be looking for a place to rent.

Chapter 11 – Usually only seen in the corporate world, Chapter 11 gives a business the opportunity to restructure their debts and reorganize their assets. The business can then start anew as long as it honors the obligations set forth as part of the new structure.

Chapter 13 – Another form common among prospective tenants is Chapter 13. This is when an individual must reorganize their finances under direct supervision of the court. The debtor must submit for approval a plan to repay all debts to creditors within three to five years. This can be problematic for landlords because up to %100 of the individual’s income can be used to repay the debts. However, an individual is likely to declare Chapter 13 over Chapter 7 in order to maintain control of their assets such as real estate. Since Chapter 13 offers a court approved time frame to pay back all debts, liquidation of assets is not mandated.

A bankruptcy will affect an individual’s credit report. All debts charged off in the bankruptcy will no longer negatively affect the credit score of the individual. In fact, they will now have an opportunity to build a higher credit score. When reviewing a tenant credit check containing a bankruptcy, it is helpful to look at other pertinent information. For example, how is their financial behavior post bankruptcy? Have they established a better payment record? Are they amassing another number of debts? Knowing as much as you can about bankruptcy and its different forms will help you to be an effective landlord and make well-informed decisions.

Remember to call us at 512 285 6078 for any questions regarding your report. Thanks for reading.

Suits, Liens, Judgments

Suits, Liens, and Judgments can be found on any applicant.  This is a valuable tool to find out if an entity is coming after your perspective tenant or employee for a financial debt owed.

Tenant Check – Accurate Credit Bureau

2 EASY STEPS TO ORDERING CREDIT AND BACKGROUND REPORTS ON PROSPECTIVE TENANTS
Step 1: Become a member – Click Here
Step 2: Order reports: Order form, Signed Applications, and Picture ID – Click Here
Tenant Credit Check $19.95: Decision credit report, or with an on-site inspection full consumer credit check.

 Landlord Preferred $29.95: Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades, Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Landlord Comprehensive $39.95: Criminal Record Search, Sex Offender Search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades, Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Landlord Complete $60.00: Criminal Record Search, Sex Offender Search, Police Record Search, Separate Bankruptcy Search, Second Criminal Record Database search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades,Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Comprehensive Background Bureau $22.50: Criminal Record Search, Sex Offender Search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Public Records, Bankruptcy

Tenant Credit Background Check

2 EASY STEPS TO ORDERING CREDIT AND BACKGROUND REPORTS ON PROSPECTIVE TENANTS

Step 1: Become a member – Click Here

 Step 2: Order reports: Order form, Signed Applications, and Picture ID – Click Here

 Tenant Credit Check $19.95: Decision credit report, or with an on-site inspection full consumer credit check.

 Landlord Preferred $29.95: Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades, Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Landlord Comprehensive $39.95: Criminal Record Search, Sex Offender Search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades, Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Landlord Complete $60.00: Criminal Record Search, Sex Offender Search, Police Record Search, Separate Bankruptcy Search, Second Criminal Record Database search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades,Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Comprehensive Background Bureau $22.50: Criminal Record Search, Sex Offender Search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Public Records, Bankruptcy

Credit Report Tutorial

Credit Report Tutorial

Accurate Credit Bureau provides tenant credit reports, eviction reports, and background checks nationwide for landlords, property managers, and real estate agents; and employee credit reports, DMV records, criminal background checks, and employment reference verification for businesses across the country. Credit Reports can be accessed Monday through Friday 8 AM to 6 PM CST and Saturday 10 AM to 4 PM CST. No Set up Fees or Membership required.

HOW TO READ AND UNDERSTAND A TRANS UNION CREDIT REPORT

how to read credit report codes

1. The Heading is at the very top right of the report. It contains the Credit Bureau’s information. The Credit Agency, their address, their phone number, and the date the report was inquired upon.

TRANS UNION Credit Profile Report
TRANS UNION
2 BALDWIN PLACE, P. O. BOX 1000
CHESTER, PA. 19022
800-888-4213
Date Reported: 7/30/2003


PERSONAL INFORMATION
renters
 

2. The next section of the report is the applicant’s personal information. This includes the Consumer’s name, social security number, up to three different addresses, date of birth (if available), and telephone number (if available).

Name: John Doe Consumer
SSN: ???-??-????
On File Since: 10/1/1988

Address:

Reported On:

1792 E WASHINGTON Blvd
PASADENA CA 91104
11/1/1999

Address:

Reported On:

111 N LAKE Street
ALTADENA CA 91104
5/1/2002

Address:

Reported On:

9999 MONTROSE Ave
LA CRESCENTA CA 91214
5/1/1997
Date of Birth: ??/??/????
Phone: 555-6439


Check the addresses against those submitted in the rental application. Do they match? The addresses are located below the applicants name with the most current address directly below the applicants name and chronologically listed from there. The employment and birth date information are located to the right of the applicant’s addresses and above the summary score. Former addresses and employment information is inputted when a consumer applies for credit. Therefore it can or cannot be a definitive verification of the last three residences or jobs.


EMPLOYMENT INFORMATION
rental check
 

3. This section of the report is the applicant’s employment information. This includes the company name, date hired (if available), income (if available), occupation (if available), and separation date (if available).

Company Name: ACCURATE CREDIT BUREAU
Date Hired: 11/1/1999
Income: $???,???
Occupation: CREDIT BUREAU
Separation Date:


Check the employment history against those submitted in the rental application. Do they match? The employment history may not necessary have the most current information. Former addresses and employment information is inputted when a consumer applies for credit. Therefore it can or cannot be a definitive verification of the last three residences or jobs.

 

 

REPORT SUMMARY
renter check 

4. Here is the overall summary of the applicant’s credit history. This will tell you the total number of accounts the applicant has, accounts that are still currently active or negative or too new to be rated, accounts that are past due or paid off, person(s) that have inquired upon the applicant’s credit history, accounts that are in collections or public records, total amount still owed, and a breakdown of the amount.

Total # of Trades: 14
Current Trades: 8
Unrated Trades: 1
Curr Neg Trades: 5
Hist Neg Trades: 3
No. of Accts Paid: 5
Curr Past Due: 4
Amount Past Due: $5,442
30 Days: 0
60 Days: 0
90+ Days: 1
Inquiries: 3
Inq. last 6 mnths: 1
Public Records: 0
Collections: 2
Oldest Trade: 3/1/1994
Accounts Balance: $102,748
Mnthly Payment: $1,348
Credit Limit: $0
High Credit: $107,247
Total Real Est. Bal.: $77,576
Total Rev. Bal.:
Tot. Installment Bal.: $16,246
Available %: 0

 

Total number of accounts Accounts that are 30 days past due Total amount that is still owed
Accounts that are still currently active Accounts that are 60 days past due Total minimum amount due every month
Accounts that are too new to be rated Accounts that are 90+ days past due Most amount that can be borrowed
Currently active accounts that have been past due Total number of person(s) that have inquired upon this credit history Most amount that has been owed
Past accounts that have been past due Total number of person(s) that have inquired within the past 6 months Total amount of mortgage loans
Accounts that have been paid off Total number of accounts that are in public records Total amount of revolving balances (credit cards)
Currently active accounts that are past due Total number of accounts that are in collections Total amount of installment balances (loans)
Total amount of the past due accounts Oldest account Available percentage of the credit limit


SCORECARDS
landlord checks
 

5. The score summary, Trans Union/Empirica, is above the applicants credit and trade information and is the overall rating of the applicant’s credit. Up to four factors are disclosed and are displayed in order based on their relative impact on the final score. Generally scores exceeding 625 are considered by banks as worthy of loans. The lowest scores are in the low 400’s and the highest scores close to 850 (Very few). Scores between 600 and 700 are very common and considered very good. Most tenant applicants will fall between 550 and 650 credit scores. Scores below 575 are considered a risk, and usually warrant further documentation or higher security deposits if the landlord proceeds. (Note: No Hit means that the consumer has no credit history whatsoever and nobody has even inquired upon their credit history)

Scorecard: EMPIRICA
Score: 676
Reasons: Serious delinquency, and public record or collection filed

Level of delinquency on accounts
Time since delinquency is too recent or unknown
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts

 

 

COLLECTIONS
landlord screening 

6. Identifies consumer accounts that have been transferred to a professional debt-collecting firm. Collection information includes the name of the collection agency providing the information, collector’s kind-of-business designators, and the consumer’s account number with the collection agency. Also included is the date the amount was charged off by the original creditor, date the information was verified, the original dollar amount of collection, the balance owed as of date verified or closed, name of the original creditor, and an explanation of current account status as reported by the collection agency.

CROWN EMERGENCY PHYSICIANS
Collection services
(9B)Collection account
Placed for collection
9/1/2001
7/1/2003

01Z5P001/MEDCLR INC
9037139

$123
$123

 
 
 
 
COMCAST
Collection services
(9B)Collection account
Placed for collection
5/1/2003
6/1/2003

04326001/CRD PRT ASSO
889327752

$96
$96

       
AT T BROADBAND
Collection services
(9P)Payment after charge off/collection
Paid collection
7/1/2002
1/1/2003

04326001/CRD PRT ASSO
728157819
1/1/2003

$53
$0
F

 

Name of the creditor
Type of service
Status of the account
Notes on the account
Date the account was reported
Last verified date on the account

Member number associated with the account
Account number for the account
Date the account was closed

Original amount that is owed
Current balance as of the verified date
Verifies that the account has been closed

PUBLIC RECORDS
tenant screening
 

7. If there are any civil actions with dollar amounts awarded, they will appear below the score summary in a field named Public Records. Public Records information consists of bankruptcies, liens, and civil actions against a consumer. This information will include; the reporting account’s name and number, original filing date with court, status date if status is satisfied, released, vacated, discharged or dismissed, amount and type of public record, certificate or docket number, and code describing the consumer’s association to the public record item per the Equal Credit Opportunity Act. Also provided is the plaintiff name; liability and asset amounts for bankruptcies only, voluntary indicator for bankruptcies only.

Chapter 7 bankruptcy discharged
Federal District
9905381
Miscellaneous and public record
7/1/1999
11/1/1999
Individual account

05079095


$0
$0

Civil judgement

99M1703591
Miscellaneous and public record

2/1/1999

Individual account

05027325
DOE JOHN X

$1,975

Paid civil judgement
Municipal Court
2C02730
Miscellaneous and public record
10/1/2002
3/1/2003
Individual account

0508720V
JANE DOE

$3,300

 

Type of the record
Type of court
Docket number associated with record
Type of disposition
Date the record was reported
Date the record was paid
Type of account

Member number associated with record
Name of the plaintiff
Name of the attorney

Total amount that is owed
Amount of assets
Amount for liability

 

 

TRADE LINES
tenant screening 

8. Under the trade lines portion of the credit report, creditors report the amount of loans and credit cards with payment histories. The name of the creditor is in the left column, the credit amount information in the center column, and the payment history is in the right column.

HHLD BANK/07991188
0293592399
Revolving account

(09)Charged off as bad debt

Purchased by another lender

12/1/1999
5/1/2001
Banks and S&Ls

$400
$1,148

$0
$0



4/1/2000

Account was closed because of charge-off or repossession



Joint account


PEOPLES ENGY/026JX001
7500028283747
Open account

(9B)Collection account

Canceled by credit grantor


3/1/2002
4/1/2003
Utilities and fuel



$382


$382
$377




10/1/2002

Account was closed because of charge-off or repossession


Individual account





CAPITAL 1 BK/01DTV001
517805218329
Revolving account

(05)120 days past due


4/1/2002
1/1/2003
Banks and S&Ls



$697


$739
$114


$22
9

554321111

MIN

Authorized account


1


1


3

Name of the company

Date the account was opened

Most amount the consumer can owe

Currently still owes

Minimum monthly payment

Number of times 30 days late

Number of times 60 days late

Number of times 90+ days late

Account number with the company

Date the account was last reported

Most amount the consumer has owed

Amount that is past due

Number of months repaid

Payment pattern (Left being the most current)

Type of account

Kind of business of the company

Amount that was charged off

Original amount owed

Date the account was closed

Payment terms made with the company

Status of the account

Reason the account was closed
Users on the account

Notes about the account


PAYMENT HISTORY
tenent
 

9. On the far right hand side of the report is the consumer payment history for the past 24 months. These codes reflect the monthly status of an account and are displayed for balance reporting loans. Collections and charge-offs are not graded. These codes stand for:

0  Current account/zero balance-reported on update tape
1 Current
2  30 days past the due date
3  60 days past the due date
 4  90 days past the due date
5  120 days past the due date
6  150 days past the due date
7  180 days past the due date
9  Collection
B  Account condition change, payment code not applicable
X  No history reported for that month


INQUIRIES
tenant
 

10. This portion of the report is named inquiries. This is a list of companies that have inquired about the applicant’s credit, usually for the purpose of extending new or additional credit. Numerous inquiries lower the applicant’s summary score by about two points per inquiry.

7/17/2003 NCO GRP 03899329
6/17/2003 FNB OF MARIN 02200488
4/23/2002 1ST PREMIER 00020123
3/13/2002 SURPAS CORP 00000001
1/10/2002 1ST PREMIER 00020123

 

Date the report was obtained Name of the company that inquired upon the report Company’s subscriber number

WARNING MESSAGES
credit check
 

11. The last portion of the report is called warning messages. This is a list of messages that have to do about the applicant’s credit, social security number, name, and/or address.

(OFAC)1-Requested product delivered / H01

(OFAC)4-Default product delivered /

Credit data not suppressed

Current Address ALERT (house number mismatch): Mismatch – input does not match file

Surname ALERT: Mismatch – input does not match file

 

The first three messages means you have received all the products that was provided.
Address mismatch means the address provided by your applicant is not on file with the credit bureaus.
Surname mismatch means the last name of the applicant is not on file with the credit bureaus.

 

12. Remember, if you have any questions or need assistance, please call us 626 798-6670. Our customer service is available 6AM to 6PM Monday through Friday and 9AM to 2PM Saturdays PST.


13. The Three Credit Reporting Agencies are;

EQUIFAX, CONSUMER ASSISTANCE, P.O. Box 740241, Atlanta, GA 30374-0241 Telephone (800)685-1111;
EXPERIAN, CONSUMER ASSISTANCE, P.O. Box 2002, Allen, TX 75013-0036 Telephone (888)397-3742; and
TRANS UNION CORP, CUSTOMER RELATIONS, 2 Baldwin Pl., P.O. Box 1000, Chester, PA 19022 Telephone (800) 888-4213.

 

Good Luck with your applicants.

credit report tutorialCLICK HERE FOR MORE INFORMATION ON TENANT SCREENING

Free Landlord Applications Rental Leases More

RENTAL APPLICATION
(INDIVIDUAL)
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ACCURATE CREDIT BUREAU
CLIENT APPLICATION
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ORDER
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RESIDENTIAL LEASE
AGREEMENT
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DRIVING RECORDS
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DEFAULT
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Tenant Background Credit Check for Landlords

Tenant Check

2 EASY STEPS TO ORDERING CREDIT AND BACKGROUND REPORTS ON PROSPECTIVE TENANTS

Step 1: Become a member – Click Here

 Step 2: Order reports: Order form, Signed Applications, and Picture ID – Click Here

 Tenant Credit Check $19.95: Decision credit report, or with an on-site inspection full consumer credit check.

 Landlord Preferred $29.95: Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades, Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Landlord Comprehensive $39.95: Criminal Record Search, Sex Offender Search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades, Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Landlord Complete $60.00: Criminal Record Search, Sex Offender Search, Police Record Search, Separate Bankruptcy Search, Second Criminal Record Database search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Employment History and Verification*, Public Records and Civil Judgments, Liens, Bankruptcy, Foreclosures, Consumer trades,Previous Rental History, Previous and Current Credit Information, Previous Inquiries, FICO/Beacon Score dependent on On-Site Inspection

 Comprehensive Background Bureau $22.50: Criminal Record Search, Sex Offender Search, Social Security Verification, Eviction Report, Previous Name and Address Verification, Birth Date, Public Records, Bankruptcy

 Name and Address Identity – Social Security Number Identification – Previous Name and Address Verification – Birth Date – Spousal Information – Employment History and Verification – Public Records and Civil Judgments- Liens and Bankruptcy Reports – Previous Rental History – Consumer Trade Reports – Payment and Loan History – Previous and Current Credit Information – Professional and Reference Verification – Previous Inquiries – FICO/Beacon Score and Summar