Credit Reports

The VICTIG Instascreen software can deliver employment and tenant credit reports through our XML gateway.  We have a fully documented API where we have successfully integrated credit report data with a number of different partners and websites.  We have other products available such as Criminal data from Federal Criminal databases, County Criminal Searches, Statewide and the Nation Wide Criminal Database Search is available to anyone.  Our fully documented API/XML gateway guide provides your IT team with a map on how to communicate with us. We have a dedicated support team that can help troubleshoot problems, develop customized solutions, and provide valuable insight to the nearly endless possibilities. Many companies have developed an interface with the Instascreen software which assures you that we can do what we say we can do.

Contact a VICTIG representative to inquire about getting a copy of the XML guide.

Here is more information about our Credit Reports.

Pre Employment Credit Search:

This Report is provided in strict compliance with the Fair Credit Reporting Act, and its use is restricted for the use of employment purposes. Credit history will provide an employer insight into an applicant’s character. Credit checks are a valuable resource and are recommended for all employees whom are being considered for financial positions.

What will the Credit Report contain?

  1. Name
  2. Address
  3. Social Security number
  4. Date of Birth
  5. Employers

Credit reports have become increasingly common however, many HR personnel have little experience in reading credit reports. VICTIG employs a proprietary credit report summary which is free of charge. The summary provides a simple and intuitive glance at the credit report which provides an outline of important statistics like number of collections, number of accounts paid late, number of delinquent accounts, and how long has credit been established.

Tenant Screening Credit Search:

This report is provided in strict compliance with the Fair Credit Reporting Act and its use is restricted for the use of extending credit to potential residents for the purpose of living in an apartment community or in a rental property. Each applicant must sign a consent form prior to obtaining a credit report. Also note, Credit Scores can be provided on Credit Reports upon request and for a nominal additional fee.

Provides a summary of all reported credit activity
Provides a complete itemization of account activity identifies apartment collections
Verifies social security number
Verifies date of birth
Provides OFAC terrorist alert
Equates good/bad credit ratios
VICTIG credit review and summarization on all credit reports for you

All partners should communicate to all clients to refer to the Fair Credit Reporting Act for answers to questions about disclosing credit information.

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