Credit Reports

Navicus recommends reviewing Employment Credit Reports for employees that can affect the company financially. This includes all employees in accounting functions, but may also include other employees that may, for example, be entrusted with a corporate credit or purchasing card. The employment credit reports Navicus conducts are designed for employment purposes, so they do not count as an inquiry on the individual’s credit report or reveal either date of birth or credit score. The report includes verification of the applicants’ name, their current address and two previous addresses, current phone number, current employer, up to three previous employers, and any aliases associated with the Social Security Number. The credit summary portion of the report contains the complete file including public records (i.e., liens, judgments, etc.), collection accounts, current or previous delinquent accounts, types of credit, total indebtedness, and “profile” (i.e., account charged off, repossessed, etc.).