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:
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: