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Credit Investigators provides over (100) comprehensive reports for its clientele. Here are samples of some of the most often used Reports. It you need a report that is not listed, call us.

We offer the best service in the industry today and offer wholesale rates to our members.

HOW-TO VIDEOS:

STARTING A NEW APPLICATION	MODIFYING USER SETTINGS
This demonstration shows users how to enter new applications in the Credit Investigators background screening system. If you have any questions, please call (407)279-1942 or email us anytime.	This demonstration shows users how to edit user settings inside the Credit Investigators background screening system. If you have any questions, please call (407)279-1942 or email us anytime.
NAVIGATING AND USING THE APPLICATION LIST	CREATING AND MODIFYING LETTER TEMPLATES
This demonstration shows users how to navigate the Credit Investigators Application List and the use of all features including filtering and common settings. If you have any questions, please call (407)279-1942 or email us anytime.	This demonstration shows users how to use pre-defined letter templates or how to create/edit their own in the Credit Investigators background screening system. If you have any questions, please call (407)279-1942 or email us anytime.

SCREEN SHOTS:

NEW APPLICATION
DECISIONING REPORT

Features & Benefits

Collection Request Form
Fill this form out and fax it back to (407)218-5023 to request Credit Investigators to perform collection services for your uncollected payments.

Report to Credit Bureau Form
Fill this form out and fax it back to (407)218-5023 to request Credit Investigators to report late payments to the credit bureau.

Public Records Search
Find public records for free on demand.

Address Search
Find current address and track down skipped accounts.
Often the first report that is pulled when doing a background check. These types of reports give a complete address history of where the applicant has lived. This information is critical when ordering manual court searches. Some reports also list the county for each address.

Collection Search
Provides information needed to locate and collect from a debtor by presenting consumer-identifying information separately from credit-related information.

Connect Check
Designed for regulated utility companies to identify identity inconsistencies and minimize risk exposure.

Credit Profile
Data on credit reports can be used to verify applicant information, research address history and determine how responsible an individual is with employment, tradeline, collection, public record, child support history and inquiry information.

Chex Systems
Supplemental tool geared towards granting credit to emerging consumers like students, immigrants and recently-divorced individuals.

Decode Report
Need to find out who is behind a subscriber number?

Employment Insight Report
Quickly verify statements on a resume or application.

GEO Code Report
Access geographical information in addition to a Credit Profile Report.

Social Security Number Report
Locate hard-to-find individuals using just a Social Security Number.

Authentication Report
This product is a credit enhanced version of Level 1 that can be used to verify both consumer and business information, streamline application processing and reduce fraud. It can also be included as part of your prescreening criteria. This version also checks Experian's national credit database.

Rap Sheet
Instant criminal products search for felonies, misdemeanors, traffic violations and incarcerations from data gathered from state agencies. This data is updated regularly. However, some data varies based on the product. This is offset with access to multiple instant criminal products.

Criminal National
If you are looking for a low-cost solution to quickly search multiple states for an individuals criminal history, the Criminal National Search is an ideal product. However, this product does not include sex offenses. If you wish to also receive sex offenses, the RAPSHEET Criminal Report and US National Criminal Report both include this information.

US National Criminal Report
This report should be requested as a primary criminal history check. Comprehensive data includes felonies, misdemeanors, incarcerations, traffic violations and sex offenses from the leading database in the industry.

US Sex Offender Report
This report should be requested as a primary criminal history check if not using the US National Criminal Report or RAPSHEET Criminal Report. Comprehensive data includes sex offenses from multiple databases in the nation.

Evictions
Need to find out if your applicant has any evictions?

Evictions, Liens, Judgements
This product should be used as your primary search for finding evictions fast. In addition to evictions, liens, judgments and other filings are also returned.

People Search
You should use a people search as your primary search for skip tracing or verification. Over 100 data sources are searched at a fraction of the cost of similar products. A Trade Detail report can be requested from this search to give an even greater detail of verified and non-verified addresses, associates, neighbors, neighborhood and relatives.

Drivers License Search
With a Driver's License search, you can quickly search for individuals or validate applications against multiple state databases. When skip tracing, this is a great search for hard-to-find individuals. Address information is usually updated when a license expires. It may be beneficial to check for address updates around an individual's birthday when other searches have failed.

MVR Records Report
A MVR Driver Records search is very useful when trying to locate a debtor or verify application data. This information is up-to-date and can usually provide results when other products have failed.

OFAC Patriot Act Search
This product should always be requested regardless if you are granting credit or screening applicants. In response to the Patriot Act, it is required by law that all businesses screen applicants against OFAC.

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Prescreening / Decision Tables
What are the benefits of prescreening?

Fraud and falsified information are major problems in lending today. Prescreening allows your business to prevent these types of problems with the latest in verification and fraud prevention tools. Prescreening is also a great cost reduction tool. Disqualifying applicants early saves time and reduces credit bureau fees.

• Check income, length of employment, age, time at residence and type of residence
• Eliminate individuals with bankruptcies, evictions or foreclosures
• Check applicants against OFAC to be in full compliance with the law
• Prevent fraud with several fraud prevention products

Hoes does prescreening work?

1. The application data is checked against set requirements, e.g., age or income.
2. Application data, e.g., bankruptcy or foreclosures, is verified with on-line databases.**
3. Names, social security numbers and addresses are checked for fraud and screened against the OFAC database**
4. If all prescreening rules pass, the application is submitted and then decisioned.
5. If prescreening fails, a failure message is returned and the process stopped.
6. Acceptance or declination letters can be attached to levels within a Decision Table. Each level can be assigned a letter template created by you. With this template, applicants can be notified of their status and/or any products for which they qualify. Promotional letters may also be sent to promote additional products or services.

Approval Letter
Send ACCEPTANCE or DECLINATION letters and/or e-mails automatically. NOTIFY applicant's instantly with the status of an application with E-Mail.

Outside Use of Information Letter
Send ACCEPTANCE or DECLINATION letters and/or e-mails automatically. PROMOTE additional products or services to your customers. NOTIFY applicant's instantly with the status of an application with E-Mail.

Notice of Action Taken
Send ACCEPTANCE or DECLINATION letters and/or e-mails automatically. PROMOTE additional products or services to your customers. NOTIFY applicant's instantly with the status of an application with E-Mail.

Counter Offer
Send ACCEPTANCE or DECLINATION letters and/or e-mails automatically. PROMOTE additional products or services to your customers. NOTIFY applicant's instantly with the status of an application with E-Mail.

Adverse Action Letter
Letters are based on a standard block style business letter. Other than that, you have complete control as to the header, body, closing and footer. Fields from the application, report and decision can be inserted anywhere into the body. Enclosures also allow for a credit report to be sent with the letter to adhere to FCRA regulations when a decision was made for employment purposes.

2 Credit Bureau Header Search
This report provides header information. You should use this product as a primary or secondary search to skip tracing. With on-file data from the entire banking industry, this product can provide contact information where other products have failed. This is the second most popular search for those in the collection industry. This product is for Collections and is a non-permissive product.

Trace Detail Report
When you only find traces of the individual, the Trace Detail report helps fill in the gaps. This report provides an in-depth trace on the individual or address. This offers a great advantage when having difficulty locating an individual.

Bankruptcy Search Report
A Bankruptcy search is very important when determining the actual status of an individual's assets and/or court proceedings. Contacting a debtor who has filed bankruptcy resulting in an automatic stay could get you into legal trouble. This offense against the bankruptcy code, 11 U.S.C. Section 101-1330, is often punishable by a fine. The information returned from the search can be used to request a Bankruptcy report. This report is beneficial when determining the bankruptcy estate, claims, discharges, unscheduled debts and overall equity. Unscheduled debts may still be collectible even when an automatic stay has been issued.

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