Employment credit reports.
An employment-purpose credit report: tradelines, payment history, collections, and public financial records, typically without a score. Several states and cities ban it for most jobs; partner CRAs pull it only where the role has a permissible purpose.
Also called employment credit check, credit report for employment.
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How it runs on vID
Identity verified
Search runs
Report returned
What it covers
Tradelines, payment patterns, collections, and public financial records- A consumer report with full FCRA process
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
- Tradelines, payment patterns, collections, and public financial records
- A consumer report with full FCRA process
What it doesn’t cover
Prove honesty or job performance; the predictive evidence is contested- Run in jurisdictions that ban employment credit checks for this role
- Equal a tenant credit pull or a lending decision
Where the data comes from.
Employment-report products from the bureaus, via CRAs
Not a consumer score you would see on a mortgage.
Why identity comes first.
Credit files merge people. A bound identity is the least you can send into that system.
How the network fulfills it.
JDP is explicit: additional paperwork, sometimes an on-site inspection, pass-through fees. We will not hide that behind a checkbox.
This is the wrong search if…
The role is not in an exemption and the state has a ban
Do not order it. A report you were not allowed to pull is a claim.
You wanted bankruptcies only
Look at the bankruptcy search, which is still a public-record product with its own issues.
Commonly ordered with.
- Bankruptcy search
A narrower public-record slice some programs prefer.
- Civil court records
Judgments and liens next to tradelines.
- Federal criminal search
Fiduciary packages often want both courts and credit, where credit is lawful.
Add Employment credit report to your next check.
Identity-verified, fulfilled through the partner network.
Who orders this
Frequently asked questions.
Lawful purpose first, then the report.
Identity-verified, partner-pulled, FCRA process — or not at all.
Ask about employment credit