SERVICES and RATES

Credit and Eviction Reports

Two Nationwide Eviction searches, which includes a Sex Offender Report, Americas Most Wanted Criminal Report and a Terrorist Search which includes the OFAC/Patriot Act, PLUS, a full credit report, FICO Score, ABC Grade Report, and Social Security Number Verified on Credit. CA, NJ & NV do not report sex offender records. Other states limit reports to 7 years upon conviction.

Two Nationwide Eviction searches, which includes a Sex Offender Report, Americas Most Wanted Criminal Report and a Terrorist Search. You will receive a ABC Grade Report. CA, NJ & NV do not report sex offender records. Other states limit reports to 7 years upon conviction.

Two Nationwide Eviction searches, which includes a Sex Offender Report, America’s Most Wanted Criminal Report and a Terrorist Search which includes the OFAC/Patriot Act, PLUS, a full credit report, Social Security Number Verified on Credit, and the 3-in-1 Instant Nationwide Criminal Search Report. Please note that the Instant Nationwide Criminal Search Report is not available for the following states: WY, SD, MA and DE. CA, NJ & NV do not report sex offender records. Other states limit reports to 7 years upon conviction.

Two Nationwide Eviction searches, which includes a Sex Offender Report, Americas Most Wanted Criminal Report, and Terrorist Search. You will receive a ABC Grade Report and the 3-in-1 Instant Nationwide Criminal Search Report. Please note that the Instant Nationwide Criminal Search Report is not available for the following states: WY, SD, MA and DE. CA, NJ & NV do not report sex offender records. Other states limit reports to 7 years upon conviction.

Two full credit reports, consisting of one Experian Report and one TransUnion report, FICO Score, ABC Grade Report, two Nationwide Eviction searches, which includes a Sex Offender Report, American Most Wanted Criminal Report and Terrorist Search which includes the OFAC/Patriot Act, PLUS, an 3-in-1 Instant Nationwide Criminal Search Report, Telecheck, and a Social Security number Trace. Please note that the Instant Nationwide Criminal Search Report is not available for the following states: WY, SD, MA and DE. CA, NJ & NV do not report sex offender records. Other states limit reports to 7 years upon conviction.

You have the option of receiving credit reporting information without having a site inspection. The ABC Grade Report is criteria based. The criteria will dictate the results of the report and give a letter grade between A and F. Click here to see the criteria.

Provides prior tenant eviction filings, which may include address of case, date filed, plaintiff name, and possible outcome of case, PLUS Sex Offender, Terrorist Search which includes the OFAC/Patriot Act and Americas Most Wanted Criminal Search. CA, NJ & NV do not report sex offender records. Other states limit reports to 7 years upon conviction.

The Experian credit report includes consumer’s current and prior addresses, social security verified on credit, reporting dates, credit cards, installments, mortgage and collections. It also includes account payment obligations, account credit availability, prior inquiries, public records, bankruptcy and FICO score.

The TransUnion credit report includes the consumer’s current and prior addresses, social security verified on credit, reporting dates, credit cards, installments, mortgage and collections. It also includes account payment obligations, account credit availability, prior inquiries, public records, bankruptcy and FICO score.

Special Add on Services

Telecheck is the nation’s largest processor of checks. They have the largest national database, which includes a history of bad checks. It will determine how much of a risk it is to accept an applicant’s check by giving an approval or rejected result.To run a Telecheck report you need to have the applicant’s name, their driver’s license number and an address.

The Social Security Number Trace verifies the validity, residential history, any alias associated with the social security number and shows the individuals date of birth.

Special Reports

The 3-in-1 Instant Nationwide Criminal Search Report includes any felonies, misdemeanors, probation, civil and traffic related records.

Please note that the 3-in-1 Instant Nationwide Criminal Search Report is not available for the following states: WY, SD, MA and DE.

This report is a single county level courthouse search and has a 3 to 5 day turn around time.

You receive seven county level courthouse searches for the following California Counties: Los Angeles County, San Diego County, Orange County, Riverside County, Ventura County, San Bernardino County and Kern County. This report has a 3 to 5 day turn around time.

This credit report includes consumer’s current and prior addresses, social security verification, reporting dates, credit cards, installments, mortgage and collections. It also includes account payment obligations, account credit availability, prior inquiries, public records, bankruptcy and Beacon score.

A Business Credit Report includes company background information, business tradelines, collections, account payment history, account payment obligations, account credit availability, bankruptcy, Universal Commercial Code filings.

You can warn future landlords by reporting your former tenant to the credit bureaus if you don’t collect the debt. The tenant will be more motivated to pay off the money they owe you so that they can clean up their credit, especially if they want to rent or buy a house in the future.

 

The law requires that consumers be notified any time before, or within 30 days after, you report anything derogatory to the Credit Report Agency in substantially the following words: You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit/rental obligations. Only one notification to the consumer is necessary.

More Information You Need to Know

Please note that not all credit bureaus have the same consumer information on the potential applicant. While credit reports do have similar information, a late payment or more credit lines showing on only one could result in different FICO scores. These are important factors when considering a prospective tenant.
Note: Each credit inquiry done with Experian only for rental purposes is considered a “hard inquiry” and it does lower the FICO score. The inquiry will stay on a credit report for 2 years.

These factors make the FICO score:

  1. Payment history, how you make your payments in the past 35%
  2. Time in bureau, the amount of time you’ve been using credit 15%
  3. Types of credit, loans, bank credit cards, charge accounts, car loans, mortgage 10%
  4. New credit, when credit was opened and established 10%
  5. Debt to credit ratio, monthly obligations to the creditors 30%

Copies of Reports

Fax copy (Per applicant) – $0.85
Mail copy (Per applicant) – $1.00
Copy to Applicant (Per applicant request) – $4.00
Online users – FREE