Searches by Social Security number for all types of
filed bankruptcies for a ten year period and liens and
judgments for a seven year period. Information varies
by state, it can include: subjects address, filing number
and date, court location, attorney, amount and type
of bankruptcy. Information can include: debtor name,
address and Social Security number, file number and
date, where it was filed, amount and document type.
Information on judgments can include defendant name
and address, plaintiff name, filing and disposition
date, amount of judgment, court location and type of
filing.
A search for criminal convictions at the appropriate
county courts, covering a seven year period for California
and longer for all other states. Reveals felony and
related misdemeanor convictions. Records can include:
case numbers, offense and disposition dates, charge,
type of charge, disposition, and sentence. Courts are
searched directly at the source via in person, court
Internet websites or direct connection into the courts
index. Common names can cause delay in verifying criminal
activity, files have to be pulled so identifiers, such
as date of birth, middle name and driver’s license
number, can be checked. Typographical, data entry and/or
court filing errors can cause accuracy issues. Also,
running a partial or “nickname” (i.e. running
Bob instead of Robert) can create accuracy issues. It
is recommended that all names, including alias and maiden
names be run at all jurisdictions for a seven year period.
This will maximize the search results and accuracy.
A search for criminal convictions at the appropriate
federal district court, covering a seven year period
for California and longer for other districts. The districts
are searched through a connection to federal court index.
Common names can cause delay in verifying criminal activity,
files have to be pulled so identifiers, such as date
of birth, middle name and driver’s license number,
can be checked. Typographical, data entry and/or court
filing errors can cause accuracy issues. Also, running
a partial or “nickname” (i.e. running Bob
instead of Robert) can create accuracy issues. It is
recommended that all names, including alias and maiden
names be run at all jurisdictions for a seven year period.
This will maximize the search results and accuracy.
A search for criminal convictions through the appropriate
courts, the courts searched vary by country and by the
information provided by the applicant. Courts are searched
directly at the source via in person, court Internet
websites or direct connection into the courts index.
Records can include: case numbers, offense and disposition
dates, charge, type of charge, disposition, and sentence.
Common names can cause delay in verifying criminal activity,
files have to be pulled so identifiers, such as date
of birth and middle name can be checked. International
Criminal searches have longer turn around times, ranging
from 7-14 business days.
A search of the credit bureau files to provide a profile
of the applicant’s financial history. Search can
show additional addresses and names and consumer credit
activity covering a seven year period detailing overdue
or slow accounts, charge offs, collections, suits, tax
liens, public records, judgments and bankruptcies. This
is heavily restricted search requiring authorization.
The State of California has special requirements for
credit reports. Young applicants and individuals new
to country, might not have developed a credit history
yet. Typographical and /or transposition of numbers
at the time a Social Security Number is used by a creditor
to initiate a credit inquiry can create errors in the
data. Must provide applicant a summary of their rights.
Applicant’s must be given information on how to
contact the credit repository to request changes if
errors are found in the report. Material is available
through the AccuSource online system for learning how
to read credit reports.
| Office
of Foreign Assets Control (OFAC) / Prohibited
Parties Search (Part of Global Homeland Security
Search) |
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Search of federal databases to identify prohibited parties,
in compliance with the Patriot Act. Can identify “specially
designated nationals, terrorists, narcotics traffickers,
blocked persons and vessels and parties subject to various
economic sanctioned programs who are forbidden from
conducting business in the United States.” Common
names can cause delay in verifying prohibited parties.
Search of credit bureau files to provide history of
the applicant’s names and addresses as they originate
from credit headers. This also validates the number’s
authenticity, as well as year and place of issuance.
It is used as a criterion in checking criminal history.
Search may provide last known addresses and aliases,
possible date of birth, year and state of Social Security
number issuance, covering a seven year period. Young
applicants and individuals new to country, who might
not have developed a credit history yet, might not have
a SSN history. Typographical and /or transposition of
numbers at the time a Social Security Number is used
by a creditor to initiate a credit inquiry can create
errors in the data. Interpretation of data is critical;
although the search can uncover evidence of identity
theft, fraud must not be assumed without further investigation
such as validation directly through the Social Security
Administration.
