Bankruptcy, Liens, and Judgments

Locate important civil records not available on credit reports

Supplement Credit Checks with Access to Additional Pointer Civil Records

For background screeners looking to provide a more complete picture of a subject’s risk profile, criminal justice data alone may not be sufficient. As a supplement to a credit check, civil court records can provide a meaningful picture of a person’s financial risk.

Traditionally, credit reports included information on civil court proceedings related to a person’s financial history. However, in 2018, the three national credit reporting companies eliminated many of these records from credit reports. 98% of civil judgments and 50% of tax liens were immediately unavailable to screeners. This means background and tenant screeners need methods to investigate potential sources for this valuable data.

Our Bankruptcy, Liens, and Judgments (BLJ) solution provides access to valuable civil records for tenant and background screening companies looking to provide new services and data points to their clients. Our pointer solution includes more than 100 million civil records, including:

  • Tax liens
  • Bank liens
  • Civil judgments
  • Bankruptcies
  • And more
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The BLJ Difference

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Unique Data

Contains records not found on traditional credit checks
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Data is constantly updated for greater confidence civil records can be found at the source
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True wholesale provider; no competitive risk
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More than 100 million civil records across federal, state, and local jurisdictions

Help Reduce Risk for Landlords, Housing Authorities, and Financial Service Companies

Bankruptcy, Liens, and Judgments aren’t used in every background check, but can provide an effective risk indicator in targeted applications. Our channel partners use pointer BLJ data in two primary ways:

  • Tenant screening to help identify applicants with a history of bankruptcy or court-ordered judgments
  • Financial service background screening to help vet candidates with access to critically sensitive data and high-value monetary assets
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get in touch

Interested in Learning More?

Contact us today to chat about our Bankruptcy, Liens, and Judgments solution or if you are looking to join our channel partner program.