Credit reports and civil record searches.
Employment credit, bankruptcies, liens, judgments, evictions — legally narrower than criminal searches and restricted in several states. For fiduciary roles and landlords, these are the searches that matter.
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The short version
This category is mostly about when not to use it: employment credit is banned for many roles in a growing list of states, civil filings are allegations, and tenant screening follows housing law, not employment law. Where the role or the lease qualifies, these are real searches against real sources.
If you only remember one thing
Confirm the lawful purpose first. Then search. A credit report you were not allowed to pull is not diligence; it is a claim waiting to happen.
When you need these.
Fiduciary, finance, and cash-handling roles, where law allows
Employment credit and sometimes civil and bankruptcy. Document why the role qualifies.
Landlords and property managers
Tenant screening — credit, eviction, criminal as housing law allows — through housing-specialist partners, not a bolted-on employment package.
What this category includes.
- 01
Employment credit report
Employment credit, no score
Employment credit is lawful only for certain roles in certain jurisdictions, and JDP notes it needs extra paperwork and often a site inspection. We pull it only where a partner CRA can lawfully run it.
What it covers
- 02
Bankruptcy search
Public bankruptcy court filings
It is a narrower product than a full employment credit report, and it still needs FCRA process and a reporting-window check. If you cannot articulate the relevance, do not order it.
What it covers - 03
Civil court records
County and federal civil filings
Due-diligence packages use civil searches because a pattern of fraud suits or unpaid judgments can matter; high-volume hourly hiring should not. A human should read the case before anyone treats a filing as a fact about character.
What it covers - 04
Tenant screening
Credit and eviction for housing
FCRA still applies, and so do state and city housing rules — source-of-income, fair-chance housing, eviction-reporting limits. Housing specialists in the network run these, not employment CRAs.
What it covers
How these get fulfilled.
Employment credit, civil, and bankruptcy are standard CRA add-ons (JDP, 3rd Degree, DataFacts, and others). Tenant screening is a different product line; RentPrep sits in the partner network specifically for housing.
Industries that order these
Frequently asked questions.
Use the money products on money roles.
Identity-verified criminal baseline for everyone. Credit, civil, bankruptcy, or tenant searches only where the decision and the law actually call for them.
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