Contractor Background Checks

Do NOT Sign Contracts With Just Anyone!


Contractor Background Checks can help people make informed decisions before they sign contracts with repair companies including roofers, plumbers, electricians, etc.

Unfortunately there are many people that are out to scam unsuspecting victims. If you need repairs done, always talk to your INSURANCE company first and then run checks on contractors before you sign contracts and start repairs.

During times of crisis such as hurricanes, floods and other natural disasters legitimate repair companies as well as scam artists rush into devastated areas to get work and there is a lot of work to go around. The company you’d like to use may be fully booked and you may want to take the first person that knock on your door to start repairs, but you need to know what your insurance will cover and if those people knocking on doors are legitimate, licensed businesses.

AAA Credit Screening Services can help by running one of the packages below giving you some peace of mind before you start repairs making sure that your insurance money is spent on legitimate and proper repairs and reducing the risk of you having to hire secondary repair companies to fix what the others didn’t.

For available packages, please visit Contractor Background Checks

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Are Commercial Tenant Credit Reports the Solution for You?

Commercial Tenant Credit Reports enable commercial property owners to run commercial tenant reports on prospective tenants before leasing office, warehouse or retail space.

AAA Credit Screening Services understands a property owner’s need to protect their property and to feel secure in their commercial leasing decisions. That is why AAACSS is now offering Commercial Tenant Credit Reports.

Commercial Tenant Credit Reports can be divided up into two categories: business reports, and individual principal(s) reports.

Commercial Tenant Credit Report packages available are: Business Summaries, Commercial Intelliscores, and Business Profiles.

Business Summary Report

These reports include a snap shot of the business’ credit history, including legal data. It will provide the number of trade lines the company has open, any court judgments or tax liens levied against them, bankruptcy filings, and more. This report will also include the date of incorporation, the filing status (“Active Business”, etc.) and the principal officer’s names.

Commercial Intelliscore

These are one-page reports with credit information, just like the Business Summary reports, but also adds current DBT (days beyond terms) information in trade agreements, monthly average DBT and the total outstanding trade balances. It will also include the higherst amount extended to the company by a creditor as well as number of collections accounts and any monetary sums of legal filings. Commercial Intelliscore reports also include Intelliscore Plus, which is a numerical rating resembling a business’ credit score. These scores range from “high risk” ro “low risk” based on the company’s credit history.

Business Profile Report

These reports are AAA Credit Screening’s most comprehensive business credit reports. The first page includes an executive summary, reviewing the information contained in the report as a quick reference. It includes the business’ current dollar weighted calculation of the average number of days that payments were made past the invoice due date range compared to all other companies and compared to other companies in the same industry. The overview also provides a graph with quarterly and 7-month DBT trends, and includes a summary of legal filings and collections, along with trade information. A performance analysis report for the business is also included, assessing indicators of payment trends and comparing the business’s payment speed with others in the same industry.

What makes the business profile report unique, is that following the summary there is a complete report on accounts with each creditor, balance and DBT. Details on all legal filings and collections are also included.

If the company is a new business establishing within the past year, you might find that your commercial tenant credit report will be quite thin and can’t be compared to other companies. Commercial property owners may feel that such a thin credit report is not sufficient to make a final decision and can therefore choose to run credit reports on the individuals or principals of the company wanting to lease their property.

Running both the business credit reports such as Commercial Intelliscore in tandem with individual credit reports allow property managers to have a better grasp of the company’s principals and credit worthiness before signing leasing contracts.

For more information about Business Credit Reports, click HERE

Employment Background Check Service Review

pexels-photo-212286While some consumer reporting agencies offer both employment and tenant reports, others specialize in one area. This article is a look at a variety of employment screening services, and strives to answer the question: Does specializing in one area of the background screening industry improve the quality of screening that is provided?

The simplest way to dissect multiple consumer reporting agencies’ processes is in comparison to another company’s. Here, we will compare the report options, customer service, and membership with professional screening associations between five companies and AAA Credit Screening Services (AAACSS); while remaining as objective as possible to give a fair overview of what each company has to offer.

This chart represents a summary of our findings:

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AAA Credit Screening Services offers tenant and employment credit and background screening services. In addition to a diverse selection of tenant and employment background reports, AAA Credit Screening offers live phone answering customer service and a turnaround time for e-mail contact under one business hour. A test e-mail that was submitted during business hours via AAA Credit Screening’s website contact form received a response in less than 10 minutes.

AAA Credit Screening is an active member with the NAPBS, as well as the Society for Human Resource Management (SHRM) and the National Association of Residential Property Managers (NARPM). Of the five companies, AAA Credit Screening is the only company with fully cross-trained employees who are FCRA certified background screeners. AAA Credit Screening Services is also the only company that offered Worker’s Compensation Reports, and IRS Income Checks, two reports which can be crucial in the employment and tenant screening processes.

For more information on employment screening, and to see your options for employment background checks, see AAA Credit Screening’s employment screening page or contact AAA Credit Screening today at 1-888-282-0447.

Key Differences between In-House and Outsourced Background Checks

If you or your company perform background checks on tenant or employment applicants, it is important to decide whether in-house or outsourced background checks are right for you.

First, what is the difference between in-house versus outsourced background screening?

In-house background screening is when a landlord, realtor, or employer individually searches sources for background screening. A common example of this would be a landlord calling a tenant applicant’s employer to verify the applicant’s position and wage/salary. Another instance of in-house background screening would be a hiring manager visiting a county courthouse’s databases to search for records under an employee applicant’s name.

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Outsourced background screening is when a landlord, realtor, or employer hires a third-party background screening company to take care of their background checks. Typically this third-party is either a Consumer Reporting Agency (CRA) such as AAA Credit Screening Services, or a “Reseller” that purchases its background reports from a CRA. Processes vary from company to company, but in the case of AAA Credit Screening Services, the landlord, realtor, or employer (“client”) sends in a request along with the individual’s application and/or authorization form(s), specifying the scope and type of background check that they would like, such as a Nationwide Criminal Search or a Worker’s Compensation Report. From there, AAA Credit Screening Services procures the report information and returns it to the client requestor.

The main arguments for and against in-house and outsourcing background checks are as follows:

In-house Background Screening Pros:

  • Background checks do not have to conform to the Fair Credit Reporting Act (FCRA), meaning they can include searches for information going beyond seven (7) years of history
  • No service fee, other than those charged by the sources (e.g. courthouse record clerks, high school registrar’s offices)

In-house Background Screening Cons:

  • Scope is limited to what the landlord/realtor/employer can do on their own, without the use of CRAs or Resellers. Usually this means visiting county courthouses and police departments for criminal records or contacting the applicant’s references left on their resume or application. Some counties do not have online or phone access to court or police records.
  • Background screening is a time-consuming process, especially for those who are not in the background screening industry. A single applicant’s background check can take hours of work; for a human resources worker paid the industry average of $62,960/annually, in-house background screening can be a waste of company time and resources.

Outsourced Background Screening Pros:

  • Third-party background screening companies typically have a wide scope of searches. AAA Credit Screening Services, for example, is able to perform criminal background checks at the county, state, or nationwide level. Additionally, AAA Credit Screening can obtain criminal records from foreign countries, something that is simply impossible for most individual landlords, realtors, or employers performing in-house background screening. AAA Credit Screening also has access to certain searches that are not available to most individuals, such as Social Security Number Verifications or Business Credit Reports.
  • Time and resources used on background screening are limited to the amount of time spent ordering the report and the cost of the report as purchased from the third-party background screening company. A client can purchase a Statewide Criminal Report from AAA Credit Screening and have the report turnaround in one business hour, or spend weeks of time and hundreds of dollars on court access fees, trying to search the county courthouses within the state for criminal records.

Outsourced Background Screening Cons:

  • Individuals must careful with the company they chose to perform their background checks. CRAs and Resellers who do not hold a membership with the National Association of Professional Background Screeners (NAPBS) may be unreliable, or not conforming to industry standards, leaving clients with low-quality, unfinished, or falsified reports.
  • Third-party background screening companies must conform to the guidelines set forth by the Fair Credit Reporting Act (FCRA). This means that on most searches, CRAs and Resellers can only return 7 years’ worth of history. The FCRA also requires that the client’s permissible purpose (such as tenancy, employment, extension of credit, or insurance underwriting) for background screening be determined by the CRA or Reseller before any background screening can occur. Additionally, the FCRA mandates that all consumer reports (that is, credit or background screening reports on individuals) must be authorized by the consumer, that is, the individual whose background is being reported, in writing.

AAA Credit Screening Services is not only a member with the NAPBS, but also an accredited business with the Better Business Bureau (BBB), and a partner of the Society for Human Resource Management (SHRM) and the National Association of Residential Property Managers (NARPM). AAA Credit Screening Services has a global reach for background checks, able to perform searches in many locations that other companies are not. AAA Credit Screening also stays up-to-date on tenant, credit, and employment background screening laws so that its clients can be protected from undesired litigation.

To start outsourcing your background checks today, complete AAA Credit Screening Service’s new customer sign up form or call our friendly customer service staff toll free at 1-888-282-0447 to speak to a live representative during business hours.