Instant Credit Report for Employment Screening

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Instant Credit Report for Employment Screening

 
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Instant Credit Report for Employment Screening

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 Act (FCRA).

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.

Sample Instant Credit Report

Personal Information


Reported

Name
 
 
 
SSN
 
 
Address
Address
Address

  JONATHAN QUINCY CONSUMER  YOB: 1951
  Nickname - JACK CONSUMER
  AKA - JOHN SMITH
  AKA - JONATHAN SMITH JONES JR
  999-99-9990
  234-56-7891 - SSN is different than input
  123-45-6789 - SSN is different than input
  10655 N BIRCH ST,BURBANK CA 91502-1234  Last Sub: 1220855
  1314 SOPHIA LN APT 3,SANTA ANA CA 92708-5678  Last Sub: 2390446
  *2600 BOWSER ST #312,LOS ANGELES CA 90017-9876  Last Sub: 2390446


 
 
 
 
 
 
  06/95 To 01/98 3X
  1X
 


Employment


Date Reported
Last Updated
Origination

Employer
 
 
Employer
 
 

AJAX HARDWARE
2035 BROADWAY SUITE 300
LOS ANGELES CA
BELL AUTOMOTIVE
111 MAIN STREET
BURBANK CA

unknown


05/91


12/98


09/91


Inquiry


Inquiry



  
Scoring

   Score Model: New Experian/Fair, Isaac Model   +700
   Factor: 22 Account(s) not paid as agreed and/or legal item filed
   Factor: 13 Length of time(or unknown time) since account delinquent
   Factor: 18 Number of accounts delinquent
   Factor: 34 34

   Score Model: New National Risk Model   +502
   Factor: 19 Average age of accounts
   Factor: 35 Delinquency on bank installment loans
   Factor: 01 Too few accounts now current
   Factor: 08 Presence of non-satisfactory ratings on accounts or lack of open accounts

   Score Model: Experian/MDS Bankruptcy Model   +925
   Factor: K Ratio of bank revolving balances to credit limits or lack of bank revolving account information
   Factor: C Presence of derogatory accounts
   Factor: H Recently active or lack of bank, retail or finance accounts
   Factor: B Presence of delinquent accounts


Public Records

Date Filed/
Amount

Type/
Plaintiff

Reference/
Paid

Court/
Court Code

06/20/94
       $12.4K

  County tax lien released 07/01/95

  Cid 45078321

  SO CALIF DISTRICT COURT
  3051111

09/19/93
        $1200

  Judgement
  ALLIED COMPANY

  D 7505853

  COUNTY SPR CT SANTA ANA
  3019999

02/10/93
        $100K

  Bankruptcy Chapter 13 - petition filed

  D 35054539906234561

  U S BANKRUPTCY COURT
  3009999


Profile Summary

Public Records

3

Dispd Accounts

1

Now Del/Drg

3

30 day delinq

0

 

Tradelines

10

Paid Accounts

2

Was Del/Drg

0

60 day delinq

0

 

Satis Accts

6

Inquiries

3

Derogatory

0

90 day delinq

0

 

Inqs/6 MO

0

Oldest Trade

01/68

Type

High

Limit

Balance

Past Due

Payment

%Avail

Revolving

$0

$28,400

$14,657

$0

$435

27%

Installment

$0

$466,575

$45,037

$1,421

$4,549

-

Real Estate

$234,000

$3,128

-

Totals

$494,975

$293,694

$1,421

$8,112


Revolving Accounts

Current Status

Hist Status


Acc Name/Address

Status/
ECOA/
Condition

BALDT/
OPEN/
LSTPD

Amt1/
Amt2

Pmt/
Term

Bal

Past Due

  Mths    30    60    90

Rating

ISLAND SAVINGS
Acct: 4058552548
20
Subcode: 1211248  KOB: BC
Status: CURR ACCT
** Credit line closed - consumer request - reported by subscriber **

05/96 C
2
CLOSED

10/97
05/96

7000-L
5700-H

 
REV

0

 

18    00 00 00
B0CCCCCCCCCC
CCCCCC

R B

BAY COMPANY
Acct: 525556601
Subcode: 2390446  KOB: DC
Status: DELINQ 180
** Account was in dispute - now resolved - reported by subscriber **

05/96 C
2
BK ADJ PLN

05/96
01/68

1400-L
 

 
REV

0

 

99    01 01 04
7654321CCCC0
0CCCCCCCCCCCC

R 7

EMPLOYEES CREDIT UNION
Acct: 525556601
Subcode: 1220855  KOB: BC
Status: CURR ACCT

02/85
2
OPEN

01/98
02/85
01/98

10K-L
7108-H

180
REV

6029

 

99    00 00 00
 CCCCCCCCCCC
C00000000CCCC

R  

STATE BANK
Acct: 4271008232
Subcode: 1299987  KOB: BC
Status: CURR ACCT

01/90
1
OPEN

06/96
01/90
05/96

10K-L
9612-H

255
REV

8628

 

85    00 00 00
 CCCCCCCCCCC
CCCCCC000CCCC

R  

       Revolving Totals




$435

$14,657

$0




Installment Accounts

Current Status

Hist Status


Acc Name/Address

Status/
ECOA/
Condition

BALDT/
OPEN/
LSTPD

Amt1/
Amt2

Pmt/
Term

Bal

Past Due

  Mths    30    60    90

Rating

HEMLOCKS
Acct: 8285103111
261
Subcode: 2313849  KOB: DC
Status: CURR ACCT

02/95
3
OPEN

06/96
02/95

1000-L
 

 
24MO

1000

 

17    00 00 00
NNNNNNNNNNNN
NNNNN

I N

CENTRAL BANK
Acct: 2380265438
8
Subcode: 1132912  KOB: BI
Status: 30 DAY DEL

06/96
1
OPEN

06/96
12/93
05/96

22.3K-O
 

465
48MO

11.0K

465

31    01 00 00
1CCCCCCCCCCC
CCCCCCCCCCCCC

I 1

MOUNTAIN BK
Acct: 
25346R1234
5
Subcode: 1119999  KOB: BI
Status: 30 3 TIMES

12/96
2
OPEN

12/96
03/93
11/96

43.2K-O
 

956
60MO

19.3K

956

39    03 00 00
1CCCCCC1CCCC
CCCCCCCCCCCCC

I 1

HOME FINANCIAL
Acct: 2400009850
0012
Subcode: 5935250  KOB: FM
Status: CURR ACCT

05/90
2
OPEN

01/98
05/90
12/97

400K-O
 

3128
360MO

234K

 

92    00 00 00
 CCCCCCCCCCC
CCCCCC000CCCC

I  

       Installment Totals




$4,549

$265,380

$1,421




Trade Accounts

Current Status

Hist Status


Acc Name/Address

Status/
ECOA/
Condition

BALDT/
OPEN/
LSTPD

Amt1/
Amt2

Pmt/
Term

Bal

Past Due

  Mths    30    60    90

Rating

CREDIT AND COLLECTION
OrigCreditor: DR. JOHN KILDARE
Acct: 98E5431821
36
Subcode: 3980999  KOB: YC
Status: COLLACCT
** Customer disputed account - reported by subscriber **

09/94
2
COLLACCT

04/96
09/94

500-O
 

 
 

250

 

20    00 00 00
999999999999
99999999

U 9

TRAVEL CHARGE USA
Acct: 4271008232
Subcode: 3488520  KOB: N
Status: CURR ACCT

12/97 C
1
PAID

12/97
03/95

4000-L
3612-H

 
1MO

0

 

34    00 00 00
 CCCCCCCCCCC
CCCCCC000CCCC

U  

       Trade Totals




$0

$250

$0




Inquiries

Inquiry Date

Subscriber/Acc#

Subcode/KOB

Amt/Type/Terms

12/05/98

  HEMLOCKS

2313849 DC

   / UNK / UNK

12/03/98

  BAY COMPANY

2390446 DC

1500 / CHG / 0

10/21/97

  HILLSIDE BANK

2240679 BC

   / UNK / UNK



FACS+ Summary

Record Type
SIC Code
Text

Inquiry Address Message
Phone Answering Service
ABC ANSWER-ALL
10655 N BIRCH ST
BURBANK CA 91502
818.555.1212

Messages
From 03/01/96 inq count for ssn = 8
From 03/01/96 inq count for address = 15
Input SSN Issued 1965 - 1966

Record Type
SIC Code
Text

Onfile Address Message
 
J&J INVESTMENTS
2600 BOWSER ST #312
LOS ANGELES CA 90017
213.111.2222

Messages

Record Type
SIC Code
Text

Retired Social
 
INPUT SSN RECORDED AS DECEASED

Messages
DOB: 01/10/51
DOD: 03/30/96


Consumer Assistance Referral:
EXPERIAN
701 EXPERIAN PARKWAY
PO BOX 949
ALLEN, TX 75013
(800) 682-7654

END OF REPORT - EXPERIAN


 

Info Cubic 9250 E. Costilla Ave., Suite 525, Greenwood Village, CO 80112
Toll-free: (877) 360-4636
Phone: (303) 220-0170
Fax: (303) 220-0171
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Instant Credit Report for Employment Screening