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Home > Product List & Pricing > Instant Credit Report for Employment Screening
Instant Credit Report for Employment Screening
Turnaround Time: Instant Pricing: $12.00
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 provideare being utilized by our clients strictly in compliance with the permissible purpose of tenant screening or employment screening.
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
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