Credit, Civil, & Public Records

Credit/Civil/Public Records

Employment Credit Checks: When checking a potential employee that will be put into a position requiring the handling of money, securities, or other valuable assets, credit reports can be a vital tool. This search involves applicant summary credit report provided by a major credit bureau. The report includes public record information, civil court judgments or liens, the number of trade accounts, ratings of trade accounts including negatives, and any collections, bankruptcies or bad debt information. Credit information is available for 7 years and bankruptcies are available up to 10 years.

Tenant Screening Credit Checks: Previous experiences will often be good predictors for future behavior. Checking a credit report on a potential tenant is paramount to helping make an educated decision on the potential tenant. This search involves applicant summary credit report provided by a major credit bureau. The report includes public record information, civil court judgments or liens, the number of trade accounts, ratings of trade accounts including negatives, FICO scores, and any collections, bankruptcies or bad debt information. Credit information is available for 7 years and bankruptcies are available up to 10 years. This can be run individually or together with a spouse.

Civil Judgments: AIR will check the applicable Upper and Lower Courts to reveal a record of civil suits where the applicant was either the plaintiff or defendant. Check will usually reveal the nature of the complaint, status of suit, date of filing, names of plaintiffs and defendants, and whether or not a judgment was entered and for whom. Civil information is available up to 7 years.

Eviction Reports: Utilizing a comprehensive database including 50 states and D.C., this search includes landlord/tenant court filings, such as prior tenant eviction cases filed, and monetary judgments, which may include address of case, date filed, plaintiff name, and judgment. Eviction reports may also include non-monetary judgments that are not normally included in credit reports.

Social Security Trace: AIR utilizes a database that is compiled of regulated, proprietary and public data to help validate the information the applicant provided, such as current name, date of birth and address. It also helps derive other aliases utilized and addresses resided during the search period requested.