Credit Checks

Easy Employment and Tenant Solutions

We all want to think the best of our potential employees and tenants. However, the truth of the matter is, there are certain instances where your gut instinct about a person can be off. You could end up choosing someone that is simply not the right fit for your apartment or a position in your company. There is only so much the application and interview process can tell you, which is why it's important that you supplement these processes with another one - the credit check process.

A credit check provides you with access to someone's personal financial history. You will not only know the truth behind those unpaid debts, bankruptcies and tax liens, but also be provided with vital information about addresses, phone numbers and social security numbers, so you can be more confident about the person behind the application form. This information will help determine if you are making the right decision about your potential tenant or employee.

Protection with Credit Checks

Financial problems in the past most certainly do not predict the future but they can provide you with better insight into the person you are dealing with. Here are some classic instances where a credit check can save you time, effort and hassle.

• If your potential tenant is overwhelmed with debts, unpaid loans and missed payments, there is a good chance that he might also provide bounced rent checks or skip monthly payments all together.
• If your potential employee has a poor credit score, this does not necessarily mean he will be a poor employee but it could suggest that his organizational skills are not only lacking in the financial world. He could bring this irresponsibility to your place of business as well.
• If your potential employee or tenant is working illegally or has had problems in the past with tax fraud, identity theft or employee theft, it's best you know the truth now rather than when it's too late.

Credit Checks for all Occasions

Credit checks can help shed some serious light into an otherwise dark and risky situation. Some of the reasons why people will perform a credit check include the following:

• If you are looking into a loan of any sort, or looking to purchase any type of insurance, it is a good idea to ask for your personal credit report. Why? For one, knowing your credit score can help you understand why you are being offered the rates you are and can also help you identify any problems. In some instances, your credit check may reveal that something is incorrect on your credit report, which should be reported to the Credit Bureau right away. Furthermore, knowing your credit report will help you see where you stand and what needs to be done if your credit is less-than-perfect.
• For any loan, insurance or financial institute, a credit check is essential in determining the payment terms including the interest rates. In general, a poor credit score (600 or less) will result in stricter payment terms, harsher penalties and higher interest rates. Those with a credit score of 700 or higher can expect better terms and conditions for their loan applications.
• A credit check is valuable for employers who want to be sure of their choice in potential staff members. A credit check can grant access to a potential employee's financial past including debts, outstanding and late payments, loans, tax liens and bankruptcies. This information can help the employer determine if applicants are responsibly stable and organized individuals, or if they have more than a few financial skeletons in their closets. A good credit report often means a more responsible and organized employee.
• Any landlord looking for the right tenant, regardless of whether they are renting a house, an apartment, a townhouse or a condominium, will want to be sure that they are picking someone who is responsible and will respect their property. A credit check can provide a sense of security in knowing that they will get paid every month. Problems on a prospective tenant's credit score may indicate problems in the future with outstanding rent, missed payments or bounced checks.

How We Can Help with Credit Checks

Quick Background Checks provide you with fast access to credit checks for all your needs. Regardless of whether you are a property manager with several rental apartments or a landlord with an investment property to rent, a credit check can give you what your application process cannot - the truth. Furthermore, for small business owners to large corporation employers, you want to know you are hiring the right person now to save you the time, money and effort of going through the same process a few weeks down the road.

Our services not only provide you with credit checks for your peace of mind, but we also feature no sign up, no monthly fees and no commitments - you are free to obtain a credit check in a matter of seconds without locking into a contract. Do not waste time and lose sleep wondering if you have made the right decision about your tenant or employee. Know the truth now with Quick Background Checks.