Welcome To Our New Report Platform!

Introducing InstaScreen, AAA Credit Screening’s new platform for running and viewing consumer reports. As of 6/13/201Easy-Button6, all of our reports will be run through InstaScreen. What does this mean for you, our clients?

Some of you may have already experienced InstaScreen. If you have requested a report within the past week, you should have received a welcome e-mail directing you to https://aaacredit.instascreen.net/ where you can use the login and password that we have e-mailed you to access your report – now, later, whenever you want; your report will be waiting for you within our neat and tidy interface.

If you haven’t requested a report in the past week – don’t fret! Your account is ready and waiting for you when you put in your next request whether it’s a week, month, or year from now; we will send you your login information along with the notification that your request has been completed.

Once you enter in your login for the first time, you will be prompted to reset your password to something other than the default. Be sure to practice password safety and do not use a password that you utilize for other logins, such as your e-mail or your online banking account. You will also be prompted to set up security questions. These questions are in place so that in the event you forget your password, you can prove your identity to regain access to your account.

How do you access your reports once you are logged in to InstaScreen? There are two easy ways.

  • The first way is to enter in your applicant’s last name into the search bar at the top of the page and press your “enter” key. Then, a list of any of your applicants with that last name will appear. Click on the applicant whose report you want to view, and voilà!
  • The second way is to click on the tab labeled “Reports”. Then, on the left sidebar, click on the link for “Last 10 Reports”. This will come up with the last 10 reports that you have ordered from us. Click on the applicant’s name whose report you want to view, and the report will appear!

One of the benefits of InstaScreen is access. You can now access your reports via your home computer, your smartphone, or a tablet with internet access! You can download your report as a PDF so you can view or print it offline or you can view it online. InstaScreen is perfect for anyone at home or on the go!




Sorting Through The Fakes

Most of your applicants know that a bad reference from a landlord or employer could easily disqualify them. What, then, stops your applicant from using a service such as careerexcuse.com or paladindeception.com, whose main objective is to provide fake references to potential landlords or employers? CareerExcuse boasts references for both “blue collar” and “white collar” jobs, with live phone operators and convincing company e-mails, phone lines, and “professionally located company” addresses and websites which can be used to deceive you, the landlord or employer checking into the references. Paladin Deception Services can even prepare a “fictitious reference, white lie or alibi” within 24 hours.

Using a consumer reporting agency such as AAA Credit Screening Services for your tenant or employment screening needs gives you several legs up against these fake reference companies and the applicants who use them. Firstly, you can get a more detailed dossier on your applicant through a credit report, criminal report, Sex Offender Registry search; or one of the many other reports offered by AAA Credit Screening. This way, you do not have to rely solely on references to have an understanding of who your applipinocchiocant is, and whether they meet your rental or employment standards.

Secondly, AAA Credit Screening Services offers a more intense research of references through our employment, landlord, and education verification services. Our team comes prepared – we spend an average of 4.6 hours on just one verification – this time is divided up between researching the reference/company, determining the proper route for verification, and completing the actual verification. The time AAA Credit Screening Services spending on each application far exceeds the amount of time that an individual landlord, property manager, HR manager, or small business owner could hope to spend on their screening process – especially if they have multiple applicants.

In the case of an employment verification, for example, if an applicant gives a company name, the name of a supervisor, and the supervisor’s direct phone number for an employment reference; we research beyond what is found in the application. Confirming the legitimacy of the company is our first step in the verification process, from there we go through the company’s channels to locate a contact within the HR or Payroll department – for a smaller company we will at times be put in touch with an office manager or the business owner – at which point we can obtain the verification through phone, fax, or e-mail.

In the information age, verifying the identity and legitimacy of a reference is just as important as the reference itself. Verifications, in addition to a thorough employment or tenant screening package, should always be a part of your hiring or rental process. It’s a scary world out there, and trusting your applicant on good faith alone is not only unwise – it can also be unsafe.


Happy Housing!

With more and more people obtaining steady work, the housing market is booming. Consumers are actually able to commit to higher rental/mortgage payments without significant fear of quickly not being able to afford the property, such as what happened during the recession of 2008. The year of 2015 proved to be the best year for the housing market since 2007, and market trends are pointing towards 2016 being even better.

The numbers are in, and are already showing promise for this year.

There were over 150K jobs created in January 2016.

Home sales grew .4% from December to January.

The NAR (National Association of Realtors) estimates that it would only take 4 months to sell the current inventory of available homes at the current pace. The “norm” is 6 to 7 months. This is driving up prices, and demand is growing rapidly.

Confidence is slightly down with consumers, as there was a small decline in stock values, but the good news is that mortgage rates have also fallen. This allows consumers to meet loan eligibility requirements which equals more buying power.

So what does this mean?

People will be looking to buy homes! Opportunity for selling your home for above value is likely. Your property will likely not sit on the market for an extended period of time without legitimate offers on the table.

But, if you are a renter, expect rental prices to rise as they have already been doing. It is more affordable to buy than rent in three-quarters of the U.S. Unfortunately, the majority of American renters are not anywhere close to being able to buy a home.



Using Arrest Records in Rental Housing

New policies emerge from HUD for all single-family and multifamily rental professionals. That lfor rentikely means you (as a landlord, realtor, or property manager) will be affected by these updated policies.

Please see link for specific details


Scary Statistics – Violence in the Workplace

According to the United States Department of Labor,

  • More than 23,000 injuries from assault at work were reported in 2013
  • 70% of these assaults were in Social Services or Healthcarestabby stabby
  • In 2012, there were 463 workplace homicides (the most common being shootings)
  • 21% of these workplace homicides were committed by co-workers
  • Women are more likely to be murdered while on the job compared to men
  • About 40% of female homicides in the workplace are committed by relatives
  • Nearly half of all work related deaths in the sales (and related) occupation fields were homicides

“Workplace violence is defined as violence or the threat of violence against workers. It can occur at or outside of the workplace and can range from threats and verbal abuse to physical assaults and homicide.” – O.S.H.A.

The immediate impact of the violent incident on a workplace environment cannot be measured quantitatively, but the after effects can be costly. The impact may be felt in a wide range and can include:

  • Employee absence
  • Productivity barriers
  • Damage, theft, or sabotage occurring on the property
  • Deviation of normal processes and procedures by management
  • An increase of Workers’ Compensation costs/claims
  • An increase in personnel costs

It may not be possible to completely avoid workplace violence, but prevention is key.

Create and implement a “violence in the workplace” program to be followed by employees, customers, guests, and anyone entering the business property. Pre-screen all potential employees appropriately by running complete background checks. Utilize security measures such as ID badges, security guards, and limit access to the property and facilities to only those individuals that need to be there.

In a world where we are unable to control every aspect of our environment, having a detailed program in place may mean the difference between life and death.

For information on creating and implementing a workplace violence program: