Credit Reports

For employees with financial responsibilities, credit reports are an essential tool in evaluating potential exposure to internal theft.  Reports are obtained from one of the major credit bureaus.  

What does this service provide?

A subject’s credit history review is recommended for employees with financial responsibility, accounting functions, entrusted with corporate credit and debit cards or dealing directly with cash.  

Information provided within a credit report includes the following:

• Trade accounts include the number of open accounts the individual has in place (loans, credit cards, etc.)
• Satisfactory accounts include the number of trade accounts that are paid according to agreed-upon terms
• Delinquent accounts include the number of accounts that are paid late or have been charged off
• Collections include the number of accounts that have not been paid and are in collection
• Total counts for each category are displayed and the details of each individual account follow in the body of the report
• Public records include the number of public records on the report (bankruptcies, tax liens, civil judgments)