Consumer credit reports offer valuable insight regarding the applicant's
reliability, and sense of responsibility, particularly for those
financially sensitive, inventory, or retail key holder positions.
The best indicator of an applicant's future behavior is their past
behavior, and the credit report is an excellent source for this
examination. A credit report can be an important indicator of financial
responsibility for employees with fiduciary or cash handling responsibilities,
access to expensive equipment, other people's property, or otherwise
placed in a position of financial trust. Info Cubic works closely
with our clients who utilize credit reports, ensuring they are fully
educated and in strict compliance with the Fair Credit Reporting
Info Cubic is obligated by the credit bureaus to make sure any credit reports we provide are being utilized by our clients strictly in compliance with all applicable laws and only for the permissible purpose of employment screening.
Currently, nine states (CA, CO, CT, HI, IL, MD, OR, VT, WA) prohibit employers from obtaining and using
credit reports in employment decisions unless the information is "substantially related" to a person's
current or potential position. For more information on these laws and restrictions, please contact us.
The Credit Bureaus require any new or potential clients to abide by the following before gaining access to credit reports:
(Please read this.)
- Client must have a secure, commercial office. We cannot provide credit reports to clients operating out of their homes or in an insecure office location.
- Client must agree to have their office inspected by a third party inspector. We invoice the one-time inspection fee at cost, which is typically $75-100 depending on the location of the office. (high-volume users may have this fee waived)
- Client must have a verifiable and valid business license.
- Client must provide Info Cubic with a signed and properly worded release form from the applicant for any credit reports that are ordered. Info Cubic can provide a proper release form upon request.