Archive for the ‘Consumer Credit Checks’ category

Announcing the launch of our updated screening reports for Customer Credit Checks

March 7th, 2011

At Credit Check Services we are continually researching new sources of data and developing the services we provide to meet the needs of our customers.  One of the new reports due to be launched in March 2011 is the Customer Credit Check report.   The current report has been very popular and used by many commercial organisations to screen customers for assessment of an individual’s ability to meet repayments.  One of the key changes with the new report is the inclusion of a risk score.  The risk score is broken down into 5 categories from very low risk to very high risk, each category providing an assessment on an individual’s relative risk for meeting their commitment for financial repayments.  In addition to the risk score the new reports will provide a range of other key data:

  • CCJs and Court Decrees
  • Bankruptcy or Sequestration
  • Voluntary arrangements for insolvency
  • Public electoral register check
  • Sanctions check (HM Treasury and OFAC lists)
  • Identity verifications

As with the current customer screening reports the new report will be available to purchase online with discounts provided for higher volume orders.  We expect the new reports to be available from the end of March 2011 and are confident that they will be of great benefit to our customers. 

If you would like to know more about the screening services available for retailers, landlords and employers visit the Credit-Check-Services.co.uk website or call us on 01992 719 234.

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Linked address searches

August 18th, 2009

The importance of carrying out a linked address search cannot be overstated.  Take for example an applicant who has a CCJ or Court Decree against their name at an address they were living at 12 months ago.  The applicant then relocates to a new address and provides this address for carrying out an on-line check.

When an on-line search is carried out in court databases it requires a name, date of birth and an address.  If all 3 match then any CCJs or Court Decrees will be found for the address provided.  If the address does not match then the applicant will show up as having a clean record – even though this may not be the case.  This happens because court databases will often not be updated with the applicant’s address(es) subsequent to an original entry where a court order was recorded.

The only way to ensure a full search of court databases is to first carry out a linked address search, and then search against each of the linked addresses found along with the applicant’s name and date of birth.  The linked address search against court databases helps to ensure that any court orders against an applicant are found. We strongly recommend that you only use the services of a company who include linked address searches, otherwise your CCJ/bankruptcy/Insolvency check may not be worth the paper it is written on!

Credit Check Services provides report options that include a linked address search at no extra cost.  For more information on tenant checks or staff vetting visit our website Credit-Check-Services.co.uk.

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Posted in Consumer Credit Checks, Employment Screening, Tenant Checks

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