FCRA-COMPLIANT CREDIT BACKGROUND CHECKS

FCRA-COMPLIANT COURT CREDIT REPORTING

When an individual becomes incapable of handling their own affairs, a conservatorship or guardianship is often established to protect the financial and beneficial interests of the incapacitated person. The guardian or conservator has a fiduciary responsibility to not only protect their assets but to pay any of the individual’s outstanding debts.

Reliable Background Screening can help these fiduciaries by giving them access to these consumers’ credit reports, as long as they obtain the proper court orders. Most of these fiduciaries obtain their beneficiary/client’s credit report annually – or more frequently – to ensure that no new unauthorized debt obligations are incurred in their beneficiary’s name.

Since guardianships and conservatorships are typically created by court order, it is not difficult for them, as a fiduciary, to obtain a court order to process the credit report of their beneficiary/client.

Reliable makes it easy for law firms and other fiduciaries – nationwide – to establish “Credit Reports – By Order of the Court” accounts, so that they can access the credit reports of their beneficial clients, and better fulfill their fiduciary responsibilities.

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To request information or to ask questions regarding background screening call (800) 787-2439 or click above.

DOMESTIC COURT ORDERS

Sadly about fifty percent of marriages end up in divorce. During divorce proceedings, financial disagreements are not uncommon. When a court order is issued for an individual’s credit report, Reliable can help by providing credit reports with a court order, through our secure 24/7 online portal.

Law firms that specialize in domestic law can also establish “Credit Reports – By Order of the Court” accounts. Reliable has a straightforward process that facilitates law firms with a domestic law practice focus to have ready access to buy credit reports, once they obtain the proper court order. With no monthly or annual fees, once your account is set up, your firm only pays for the credit reports that it needs.

OTHER COURT ORDERS

No matter what type of court order, Reliable streamlines the process for your law firm to obtain any consumer’s credit report, as long as a valid court order has been issued through our credit screening services.

Normally, the FCRA (Fair Credit Reporting Act), only allows a consumer’s credit file to be obtained with consumer consent for a permissible business purpose. However, the FCRA compliant credit reports have an exception, when there is a valid court order.

Reliable helps attorneys and law practices nationwide, by giving them access to “Credit Reports – By Order of the Court” accounts. Whether it is a fiduciary need, divorce trial, or other court order, Reliable can provide your law firm access to credit reports 24/7 – just by having obtained a valid court order. Open your account today, so that you will have immediate access when you need to buy a credit report with a court order (credit bureaus still require an onsite-inspection for credit bureau access).

Interested in Learning More About FCRA Credit Checks?

Read our blog to learn about the types of court-ordered credit reports all attorneys have access to under the Fair Credit Reporting Act (FCRA).

FCRA-COMPLIANT BACKGROUND CREDIT REPORTING

  • Unmatched Quality Control review of FCRA-compliant background screening reports will help ensure that any input errors do not result in invalid results
  • Partner with the major credit bureaus, with Canadian Credit Reports also available
  • Capabilities to research records from every county courthouse throughout the nation
  • Exclusive access to national and state data, including comprehensive motor vehicle records, eviction records, and criminal records for all 50 states
  • International criminal checks are also available
  • Personalized screening, with Customer Service Agents available weekdays
  • Secure online services tailored to your specific requirements available 24/7
  • A+ Accredited with the Better Business Bureau
  • Winner of the Sterling Award, honoring companies for quality service, integrity, and community stewardship

FAQ

Once the proper authorization and disclosures are provided to a consumer, most credit reports are generally returned within seconds. When delays occur, they are generally due to the consumer placing a hold/freeze on their credit file. When this occurs, the credit bureau will not release the credit file until the consumer provides the credit bureau with specific approval to give their credit report to a distinct company, for some permissible business purpose.

Credit screening is the process of obtaining a credit report from one or more of the credit bureaus. It requires that proper authorization and disclosures are provided to the individual being credit screened, as this process is governed by the Fair Credit Reporting Act (FCRA). Credit reports are tools to mitigate financial risk and evaluate the worthiness and likelihood of a consumer to repay a debt or other financial obligation.

Once the proper authorization and disclosures are provided to a consumer, most credit reports are generally returned within seconds. When delays occur, they are generally due to the consumer placing a hold/freeze on their credit file. When this occurs, the credit bureau will not release the credit file until the consumer provides the credit bureau with specific approval to give their credit report to a distinct company, for some permissible business purpose.

Credit reports generally show the same information, whether the purpose is resident screening, tenant screening, country club membership screening, or franchisee screening. The one exception is employee screening credit reports, which can never provide a credit score. (This is due to the credit score model incorporating bankruptcy, which cannot be considered when taking adverse action for employment purposes). Landlords often use the term “credit screening” when in fact they want not only a credit report, but also an Eviction Search (which is critical, since eviction judgments disappeared from credit reports ever since July 1, 2017) and landlords typically want a criminal search, too.