AAA Credit Screening Services
17041 El Camino Real, Suite 102
Houston, TX 77058


Your information resource for tenant credit reports,
tenant screening, employment screening, driving records,
criminal records, background checks and business credit reports.

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There is never a sign-up fee to use our services! Call our friendly staff, toll free at 1-888-282-0447, 8 AM to 6 PM Central time, Monday - Friday or 9 AM to 4 PM Saturday, for more information and an exact quote on the services you need.

Tenant Screening

Look before you lease. You can reduce damage to your property, improve long-term occupancy, decrease late payments, and eliminate criminal activity in your properties. Our tenant screening service thoroughly checks current public records, employment and tenant credit report information, as well as personally interviewing not just the tenantís current landlord (who may have reasons for wanting the tenant out of their property), but also the previous landlord, who will often disclose information not available from any other source. Avoid costly evictions and lost rental income. Find out what they are like as tenants, before you hand them the keys.

Pre-Employment Screening

Don't hire trouble! A large percentage of applicants inflate their previous salary history and responsibilities. Some have financial problems or a criminal history that makes them unsuitable as employees in your company. Pre-Employment screening can avoid wasting resources on recruiting, hiring, and training new employees, only to find the hiring decision was based on incomplete or falsified information. Call our toll free number for custom employment screening services. Click Here to view the Executive Screening Package

Criminal Record Background Checks

Criminal Background Checks are required by law for some professionals. Avoid the potential liabilities of bringing a criminal into your home, property or workplace. Fast and accurate Criminal Record Checks and Background Verifications are provided for all US counties and Canada, as permitted by law.

MVRs (Driving Records)

Before you hire that driver, what was his driving history on his last job, or in another state? Low cost Driving Record/Motor Vehicle Record (MVR and DMV) checks are provided nationwide.

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Consumer Credit Reports

These reports are your protection against providing credit to over-extended customers, helping you avoid costly collections, judgments and legal remedies for bankruptcies. Our staff will assist in interpreting and rating the credit of your potential customers.

Business Credit Reports

Before you tie your financial future to a business, learn if they pay their bills on-time, or if they are in financial difficulties. Discover if they have bankruptcy filings or judgments for collections against them. This service is essential to good business practice. Fast, accurate, and affordable Business Credit Reports are available to individual consumers as well as large and small businesses.


Copyright AAA Credit Screening Services, L.L.C. 1997-2006


Our services include: Experian, Equifax and Trans Union Consumer Credit Reports, Personal Credit Reports, Tenant Screening, Eviction Reports, Tri-Merged Credit Reports, Pre-Employment Screening, Employment Verifications, Online Credit Ratings and Scores, MVRs, Driving Records, Skip Tracing, Criminal Records History and Background Checks, International Criminal Records Checks, Workers Compensation Claims Reports, Social Security Number Verifications, Bankruptcy Records, National Business Credit Reports, Credit Bureau Access, County and Federal Civil Lawsuit Records, Nationwide Wants and Warrants Search, Name Address and Phone Number Searches, Sex Offender Registry Search, OIG Healthcare Provider Sanction and Medicare Fraud Search, Loss Prevention, Landlord Property Management and More! You can call our friendly staff toll free at 1-888-282-0447 for custom services.

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SELECTED ARTICLE

How to Dispute Credit Report Errors

Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell your credit report to businesses. Because businesses use this information to evaluate your applications for credit, insurance, employment, and other purposes allowed by the Fair Credit Reporting Act (FCRA), it's important that the information in your report is complete and accurate.

Some financial advisers suggest that you periodically review your credit report for inaccuracies or omissions. This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of information in your credit file could speed the credit-granting process.

Getting Your Credit Report
If you've been denied credit, insurance, or employment because of information supplied by a CRA, the FCRA says the company you applied to must give you the CRA's name, address, and telephone number. If you contact the agency for a copy of your report within 60 days of receiving a denial notice, the report is free. In addition, you're entitled to one free copy of your report a year if you certify in writing that (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a CRA may charge you up to $9.00 for a copy of your report.

If you simply want a copy of your report, call the CRAs listed in the Yellow Pages under "credit" or "credit rating and reporting." Call each credit bureau listed since more than one agency may have a file on you, some with different information. The three major national credit bureaus are:

  • Equifax, P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.
  • Experian (formerly TRW), P.O. Box 2002, Allen, TX 75013; (888) EXPERIAN (397-3742).
  • Trans Union, P.O. Box 1000, Chester, PA 19022; (800) 916-8800.

Correcting Errors
Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under the law, contact both the CRA and the information provider.

First, tell the CRA in writing what information you believe is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request deletion or correction. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the sample below. Send your letter by certified mail, return receipt requested, so you can document what the CRA received. Keep copies of your dispute letter and enclosures.

CRAs must reinvestigate the items in question--usually within 30 days--unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file. l Disputed information that cannot be verified must be deleted from your file.

  • If your report contains erroneous information, the CRA must correct it.
  • If an item is incomplete, the CRA must complete it. For example, if your file showed that you were late making payments, but failed to show that you were no longer delinquent, the CRA must show that you're current.
  • If your file shows an account that belongs only to another person, the CRA must delete it.

When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address, and phone number of the provider.

Also, if you request, the CRA must send notices of corrections to anyone who received your report in the past six months. Job applicants can have a corrected copy of their report sent to anyone who received a copy during the past two years for employment purposes. If a reinvestigation does not resolve your dispute, ask the CRA to include your statement of the dispute in your file and in future reports.

Second, in addition to writing to the CRA, tell the creditor or other information provider in writing that you dispute an item. Again, include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider then reports the item to any CRA, it must include a notice of your dispute. In addition, if you are correct-that is, if the disputed information is not accurate-the information provider may not use it again. Accurate Negative Information When negative information in your report is accurate, only the passage of time can assure its removal. Accurate negative information can generally stay on your report for 7 years. There are certain exceptions:

  • Information about criminal convictions may be reported without any time limitation.
  • Bankruptcy information may be reported for 10 years.
  • Credit information reported in response to an application for a job with a salary of more than $75,000 has no time limit.
  • Credit information reported because of an application for more than $150,000 worth of credit or life insurance has no time limit.
  • Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Criminal convictions can be reported without any time limit.

Adding Accounts to Your File
Your credit file may not reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to CRAs: Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those creditors that don't. If you've been told you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit file, ask the CRA to add this information to future reports. Although they are not required to do so, many CRAs will add verifiable accounts for a fee. You should, however, understand that if these creditors do not report to the CRA on a regular basis, these added items will not be updated in your file.

Sample Dispute Letter

Date

Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Credit Reporting Agency
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute are also encircled on the attached copy of the report I received. (Identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.)

This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing)

For More Information

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

March 1999

END

(This article is presented as a public service. AAA Credit Screening does not endorse any of the information contained herein.)

















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