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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.
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 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.
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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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.
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.
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.Learn How to Restore Your Credit Rating Today! Click Here.
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.
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:
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.
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:
to Your File
Sample Dispute Letter
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.
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