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Free Application |
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Citi
Credit Bureau can process any signed
application or consent form
These Applictions are complementary
for your use >>>MORE |
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Fair Credit
Reporting Act |
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The
Fair Credit Reporting Act
As a public service, the staff of the
Federal Trade Commission (FTC) has prepared
the following complete text of the Fair
Credit Reporting Act (FCRA), 15 U.S.C.
? 1681 et seq. Although staff generally
followed the format of the U.S. Code
as published by the Government Printing
Office, the format of this text does
differ in minor ways from the Code (and
from West's U.S. Code Annotated). For
example, this version uses FCRA section
numbers ( 601-625) in the headings.
(The relevant U.S. Code citation is
included with each section heading and
each reference to the FCRA in the text.)
>>>MORE |
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Credit Report1
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| C.C.B.
accesses information from the largest
wholesaler of consumer information in
the country, Experian Corporation. Experian
(formally known as TRW), and the two
other major agencies, TransUnion and
Equafax, receive their information from
grantors, such as banks or bank card
companies. Experian then compiles and
stores this data, evaluates the worthiness
from a set of standards devised jointly
with Fair Isaac Corporation, and wholesales
this information to businesses like
C.C.B. who are required to legally abide
by the laws of the FCRA. >>>MORE |
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Credit Report2 |
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| It
is advised that you check your financial
history every 1-2 years. There are a
number of ways to obtaining a copy containing
your financial history. If you are thinking
of purchasing a house, leasing or buying
a car, you should check your financial
record. That way, if you find out that
there are problems with your information
you can fix them first. Most financial
advisors recommend that you check your
personal financial information periodically
for inaccuracies or emissions. >>>MORE |
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Credit Report3 |
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| Credit
Reports-What information is contained
in them This information includes how
you pay your bills, your current bank
cards and charge accounts as well as
your history of repaying loans. It provides
information about whether you have ever
filed for bankruptcy or have been sued
for not paying money that you owed.
It may also show if you've ever been
arrested. It is useful in many situations.
When you apply for a loan, the grantor
(for example, a bank) may obtain a copy
to determine whether to grant you more
money. Landlords obtain them when you
apply to lease or rent a home. They
are also routinely used by businesses
to evaluate employment, insurance, and
loans. >>>MORE |
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Background
Check1 |
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Verify
current employment information, and
previous residence information by written
documentation only. Ask for a bank statement.
(There is no confidential information
on a bank statement that doesn't appear
on banking transactions.) Avoid verifying
applicant information by phone, especially
those references provided by the applicant.
Request all collaborating documentation
in writing.
Do not take a rental deposit from any
applicant before verifying their references.
It is not uncommon for the most likable
and communicative applicant to have
a terrible payment history and horrible
credit habits. Use caution, especially
from applicants who wish placement quickly
without documentation, a verbal agreement,
or want to give you a large amount of
cash upfront in lieu of verification.>>>MORE |
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Background
Check2 |
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| Verify
current employment information, and
previous residence information by written
documentation only. Ask for a bank statement.
(There is no confidential information
on a bank statement that doesn't appear
on banking transactions.) Avoid verifying
applicant information by phone, especially
those references provided by the applicant.
Request all collaborating documentation
in writing. >>>MORE |
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Background
Check3 |
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| The
safest way to screen an applicant is
to obtain accurate information. Avoid
fraudulent applications, do not accept
reports supplied to you by prospective
renters or employees. Have each and
every adult applicant neatly fill out
a complete and professional Rental Application.(Please
feel free to download the complementary
rental and employment applications we
have provided for this purpose on the
free applications page of this site).
>>>MORE |
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Background
Check4 |
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| The
Heading is at the very top. It contains
the inputting information. Time, Date,
and the Client Reference Number. The
inputting information includes the name,
social security number, and address
of the applicant followed by the name
of the requesting party.>>>MORE |
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Consumer
Credit Report 1 |
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| The
safest way to screen an applicant is
to obtain accurate information. Avoid
fraudulent applications, do not accept
reports supplied to you by prospective
renters or employees. Have each and
every adult applicant neatly fill out
a complete and professional Rental Application.(Please
feel free to download the complementary
rental and employment applications we
have provided for this purpose on the
free applications page of this site).
>>>MORE |
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Consumer
Credit Report 2 |
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| Most
financial advisors recommend that you
check your personal financial information
periodically for inaccuracies or emissions.
Obviously, it is important that the
information on your credit report be
complete and accurate. You can be denied
credit, insurance, housing, or employment
due to the information contained within
it!
>>>MORE |
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Consumer
Credit Report 3 |
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YOUR
OWN FINANCIAL INFORMATION 2
Consumer Credit Reports-Most financial
advisors recommend that you check your
personal financial information periodically
for inaccuracies or emissions.
Order Your own >>>MORE |
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Credit Bureau
Codes |
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| 5.
If there are any civil actions with
dollar amounts awarded, they will appear
below the score summary in a field named
Public Records. Public Record information
consists of bankruptcies, liens and
civil actions against a consumer. This
information will include; the reporting
account's name and number, original
filing date with court, status date
if status is satisfied, released, vacated,
discharged or dismissed, amount and
type of public record, certificate or
docket number, and code describing the
consumer's association to the public
record item per the Equal Credit Opportunity
Act. Also provided is the book and page
number; plaintiff name; liability and
asset amounts for bankruptcies only,
voluntary indicator for bankruptcies
only. (These may be displayed as VOLUN
or INVOL, and an asterisk preceding
public record information or a trade
line indicates that information may
been further review.>>>MORE |
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Credit Reporting
Nationwide |
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| C.C.B.
accesses information from the largest
wholesaler of consumer information in
the country, Experian Corporation. Experian
(formally known as TRW), and the two
other major agencies, TransUnion and
Equafax, receive their information from
grantors, such as banks or bank card
companies. Experian then compiles and
stores this data, evaluates the worthiness
from a set of standards devised jointly
with Fair Isaac Corporation, and wholesales
this information to businesses like
C.C.B. who are required to legally abide
by the laws of the FCRA. In turn, C.C.B.
then resells this information to prospective
employers, and prospective landlords.
It is illegal for anybody to receive
a copy who is not entitled to it, and
for anyone to supply a copy to someone
who is not authorized to receive it.
Some of the people who receive consumer
information from C.C.B. with applicant
permission and proper qualifications
are Landlords, Real Estate Agents, Property
Managers, Apartment Managers, and Employers.
>>>MORE |
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Nationwide
Services - Dispute |
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Nationwide
Services
How to dispute any inaccuracies Your
information includes how you pay your
bills, your current bank cards and charge
accounts as well as your history of
repaying loans. It provides information
about whether you have ever filed for
bankruptcy or have been sued for not
paying money that you owed. It may also
show if you've ever been arrested. It
is useful in many situations. When you
apply for a loan, the grantor (for example,
a bank) may obtain a copy to determine
whether to grant you more money. Landlords
obtain them when you apply to lease
or rent a home. They are also routinely
used by businesses to evaluate employment,
insurance, and loans. >>>MORE |
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Codes and
Abbreviations used by Experian |
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THE
HEADING
1. The Heading is at the very top. It
contains the inputting information.
Time, Date, and the Bureaus' Client
Reference Number. The inputting information
includes the name, social security number,
and address of the applicant followed
by the name of the requesting party.
>>>MORE |
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Codes and
Abbreviations used by Experian 2 |
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CREDIT REPORTING
The Three CRA'S;
EXPERIAN, CONSUMER ASSISTANCE, P.O.
Box 2002, Allen, TX 75013-0036 Tel:
(888)397-3742;
EQUIFAX, CONSUMER ASSISTANCE, P.O. Box
740241, Atlanta, GA 30374-0241 Tel:
(800)685-1111; and
TRANS UNION CORP, CUSTOMER RELATIONS,
2 Baldwin Pl., P.O. Box 1000, Chester,
PA 19022 Telephone (800) 888-4213. >>>MORE |
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CREDIT REPORT
TUTORIAL 1 |
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Following
the FICO score will be a Score Factor
section with several numbers. These
numbers represent the following and
were the criteria in determining the
Fair Isaac Score.
A 01 Current balances on accounts
B 02 Delinquency reported on accounts
C 03 Too few bank revolving accounts
D 04 Too many bank revolving accounts
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CREDIT REPORT
TUTORIAL 2 |
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THE
HEADING
1. The Heading is at the very top of
the report. It contains the inputting
information. Time, Date, and Coastal
Credit Bureaus' Client Reference Number.
The inputting information includes the
name, social security number, and address
of the applicant followed by the name
of the requesting party. >>>MORE |
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EXPERIAN
CREDIT REPORT TUTORIAL2 FICO |
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SCORE
SUMMERY (FICO)
3. The score summary Experian/ Fair
Isaac (FICA or FICO) is above the applicants
credit and trade information, and is
the over all rating of the applicants
future credit worthiness as determined
by many financial factors devised by
the Fair Isaac Corporation. Generally
scores exceeding 630 to 640 are considered
by banks as worthy of loans. >>>MORE |
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CREDIT REPORT
TUTORIAL4 |
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THE
HEADING
1. The Heading is at the very top of
the report. It contains the inputting
information. Time, Date, and Coastal
Credit Bureaus' Client Reference Number.
The inputting information includes the
name, social security number, and address
of the applicant followed by the name
of the requesting party. >>>MORE |
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Criminal
Records Search Form 1 |
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Criminal
Records Search
3 Easy Steps to Order STEP 1 Enter Subject's
Information
STEP 2 Enter Your Information
STEP 3 Enter Billing and Return Information
Order Form ...>>>MORE |
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Criminal
Records Search2 |
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Subject
Information (*Required)
*First Name
*Last Name (Different last names and
aliases require a separate search.)
Middle Initial
*Social Security Number ...>>>MORE |
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Criminal
Records Search3 |
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Subject
Information (*Required)
*First Name
*Last Name (Different last names and
aliases require a separate search.)
Middle Initial
*Social Security Number... >>>MORE |
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DMV Records
Search |
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DMV
Records Search
3 Easy Steps to Order STEP 1 Enter Subject's
Information
STEP 2 Enter Your Information
STEP 3 Enter Billing and Return Information
Order Form
Subject Information (*Required)
*First Name
*Last Name, Middle Initial
*Social Security Number
*Date of Birth
*State
*Drivers License Number >>>MORE |
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DMV Records
Search 2 |
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Client (Your)Information (*Required)
This information is not shared with
the general public and
must match the credit card you will
be using.
*Your Name
*Company (If self, please indicate)
Title
*Email
*Address
*City
*State
*Zip Code
*Phone
*Fax Number >>>MORE |
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DMV Records
Search 3 |
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*What
is your permissable purpose?
Choose OneConsumer's RequestEmployment
ScreeningInsurance
*How would you like your reports returned?
Choose OneEmail (2-5 business days)Fax
(2-5 business days)US Mail ( 5-10
business days)
*Credit Card Number
*Credit Card Type Choose OneVisaMastercardDiscoverAmex
*Expiration Date
*Name on the Card >>>MORE |
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Employment
Background Checks 1 |
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Social
Security Number Trace - Address Identity
- Previous Name and Address Identities
- Employment Verification - Civil
Judgments - Liens and Bankruptcy Reports
- Previous Employment History - Consumer
Trade Reports - Professional and Reference
Verification - Criminal Records >>>MORE
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Employment
Background Checks 2 |
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| 3
Easy Steps to Ordering Credit Reports,
Criminal Records, DMV Reports or a Background
Check on a Prospective Employee ....>>>MORE |
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Tenant Credit
Reports Forms 1 |
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TENANT
CREDIT REPORTS
3 Easy Steps to Ordering Credit Reports
on a Prospective Tenant >>>MORE |
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Tenant Credit
Reports 2 |
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| 3
Easy Steps to Ordering Credit Reports
on a Prospective Tenant >>>MORE |
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Tenant Credit
Reports 3 |
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| In
order to access information for prospective
applicant screening, you must agree
to use the services of C.C.B. for the
sole purpose of prospective applicant
screening. >>>MORE |
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Tenant Credit
Reports 4 |
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| Name
and Address Identity - Social Security
Number Identification - Previous Name
and Address Verification - Birth Date
- Spousal Information - Employment History
and Verification - Public Records and
Civil Judgments- Liens and Bankruptcy
Reports - Previous Rental History -
Eviction Reports - Consumer Trade Reports
- Payment and Loan History - Previous
and Current Credit Information - Professional
and Reference Verification - Previous
Inquiries - FICO and BEACON Scores and
Summery - Free Customer Support 7 days
a week - No set up fees or membership
dues >>>MORE |
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Tenant Credit
Reports 5 |
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Tenant Credit
Reports 6 |
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Tenant Credit
Reports 7 |
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Tenant Eviction
Reports |
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If
you would like to further investigate
your potential tenant, eviction reports
are inexpensive and are a great tool
for screening renters who have been
served and sued by previous landlords
for not paying their rent. Unfortunanely,
there presently isn't a National or
even a comprehensive State source for
Eviction Reports or Unlawful Detainers
(What Evictions are called in several
States including California).
>>>MORE |
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Tenant Application
Screening |
| |
|
| Avoid
fraudulent applications, do not accept
credit reports supplied to you by prospective
tenants or employees. Have each and
every adult applicant neatly fill out
a complete and professional Rental Application.
(Please feel free to download the complementary
rental and employment applications we
have provided for this purpose on the
free applications page of this site).
>>>MORE |
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Tenant tips
- How to review Applications |
| |
|
The
safest way to screen an applicant is
to obtain accurate information. Avoid
fraudulent applications, do not accept
reports supplied to you by prospective
renters or employees. Have each and
every adult applicant neatly fill out
a complete and professional Rental Application.
(Please feel free to download the complementary
rental and employment applications we
have provided for this purpose on the
free applications page of this site).
>>>MORE |
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ReportID
-EXPERIAN Credit Report Identification |
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2.
The next section of the trw report is
the applicants' identifying information.
This includes the Consumer's name and
address, number of subscribers reporting
the address via the update tape (U=Update
Tape, I=Inquiry, M=Manual Data).
The Account number for the last subscriber
reporting the consumer at their current
address. The Consumer's previous address
with source. (An asterisk preceding
any address indicates the address was
not entered on inquiry.)
The Consumer's year of birth. The Consumers
Employer's name and address including
time frame reported and source (U=Update
Tape, I=Inquiry). The Consumers' Previous
employer's name and address with time
frame reported and source. >>>MORE |
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Privacy Statement |
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Citi
Credit Bureau has created this privacy
statement in order to demonstrate our
firm commitment to privacy. The following
discloses the information gathering
and dissemination practices for this
Web site Personal Information. This
Web site does not request any personal
information or collect any information
that personally identifies you or allows
you to be personally contacted. Since
we do not collect any personal information
on this Web site, we do not share any
personal information with any third
parties nor do we use any personal information
for any purposes. External Links. This
site contains links to other sites.
Citi Credit Bureau is not responsible
for the privacy practices or the content
of such Web sites.
Public Forums. This site makes chat
rooms, forums, message boards, and/or
news groups available to its users.
Please remember that any information
that is disclosed in these areas becomes
public information.
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