Live Chat Support Now Available on AAA Credit Screening Websites

All websites associated with AAA Credit Screening Services, LLC will now feature a live customer support chat feature.chat

Previously, current and potential clients of the Houston-based credit and background screening agency contacted customer service by e-mail, fax, phone, or through the use of a website-contact form. The new live chat feature will provide fast responses to clients who need immediate help, but do not wish to call the office for live customer service.

The live chat service will appear to customers during business hours from 8:15 AM – 5:45 PM CST Monday – Friday and 9:15 AM – 3:45 PM CST Saturday. Live customer support will be provided by trained AAA Credit Screening customer service representatives. These customer support experts can answer a variety of questions, help with web navigation, provide troubleshooting for InstaScreen login and password troubles, and offer free consultation on report prices and options.

The live chat support is accessible through web browsers on PC, Mac, and mobile. All a user has to do to locate the live chat feature is navigate to the bottom right corner of the webpage. From there, they can click on the green bar noting the “Online” status of the customer support. Mobile devices will have a small chat bubble in the bottom right corner of the website page on their internet browser which they can click to initiate chat support. This will prompt a chat box to open, and a live customer support agent will be immediately available to answer questions.

The live chat provides a quicker alternative to the e-mail or the website contact form system which requires the user to input their e-mail address into the system along with their message to receive a response by e-mail. The live chat support system allows for a user to be connected with the customer support representative in a matter of seconds, questions to be answered instantly, and support to be provided without the hassle of a lengthy phone call.

Features of this live chat service include a rating system, chat transcription, name, and file sharing.

The rating system allows for customer service managers to monitor the quality of customer support that is being provided. A user can rate their chat at any time by clicking the “thumbs up” or “thumbs down” symbol to the right of their text input box.

Copies of the chat’s transcript are also readily available to all users. To send a copy of the chat transcript to their e-mail address, a user simply must click the mail icon at the bottom of the chat box. The user will then be prompted to type in their e-mail address, and a transcript of the chat will be sent to that e-mail address shortly thereafter.

Chat users can set their name on the chat to feature their name or company name. The chat support system will remember past users and conversations, so this feature is a great way for current or prospective clients to cut down on the time needed by a customer service agent to locate their screening account. Past chat logs will only appear to the customer service agent, so as to not clog the chat window for users. This feature will be very useful to users who often find themselves requiring customer support while on-the-go, as they can start and stop chat support as needed, with all pertinent information related to prior support being retained by the customer service staff.

The file sharing feature is possibly the most versatile and useful feature included in the live chat support. This feature can be accessed by clicking on the paperclip icon on the bottom left corner of the chat box. Users can upload files directly to customer support as a safe, quick way to submit documents for account set up or screening purposes, share a screen capture for online troubleshooting, or to submit additional or missing documents associated with a previously submitted screening request. The file sharing feature is two-way, meaning that customer support agents will have the ability to share documents to the user visiting the website. This will allow the representative to send necessary applications, forms, disclosures, price lists, order forms, or other requested documents through the chat. To download an item sent through the live chat support, users just have to click the file name, and a download will be initiated through their web browser. This will make client account set up and troubleshooting quicker and easier than ever, as files can be shared while live customer support is ongoing through the chat.

Overall, the live chat support feature will allow for higher levels of convenience, accessibility, and functionality for current and prospective clients of AAA Credit Screening Services, LLC seeking customer service.

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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

Know what employers CAN and CAN’T find out about applicants!

Violence, theft and criminal activity have become greater risks in the workplace, which necessitates the task of pre-employment screening and employee background checks. That’s why employers are taking interest in performing criminal background checks in addition to asking about criminal records on job applications. In fact, employers who fail to take reasonable precautions about those they hire can be sued if an employee with a criminal background harms someone.  A Background Check Company relieves the employer of this time-consuming task by providing data regarding employment and pre-employment screening services in an easy, prompt and expedient manner.

emploment screening Do criminal record searches mean that applicants who have criminal background records or had a brush with the law will never find a good job, or that employers are assured that they will never hire a person with a criminal background? The answer to both is no. When private employers check an applicant’s criminal background records, they normally do not have access to governmental criminal databases. Private employers can check criminal records only by going to individual courthouses and looking through the records that are kept by each court. Since there are more than 10,000 courthouses in America, a nationwide courthouse check of the applicant’s criminal background record is not practical.

To determine where to search or perform background screening, employers will examine the resume or job application. They can also review records kept by credit bureaus that list addresses associated with Social Security Numbers, and they need to verify past jobs to confirm where a person has been and to make sure there are no unexplained gaps in employment. Without a careful check of previous addresses, criminal background records can be missed.

When an employer hires a background check company to perform the search, it is regulated by the Federal Fair Credit Reporting Act. Searches can be conducted only if an applicant provides written consent. If a criminal record is found, applicants must be given an opportunity to question its accuracy and must receive a copy of their legal rights before the decision to deny the job is made final. Due to the manner in which public records are maintained, errors are always possible, and cases of mistaken identification have occurred. There are also legal limits on how far back court researchers can go in reporting convictions.

Despite these limitations, employers still find criminal background record searches valuable. A search for criminal background records discourages applicants with something to hide and limits uncertainty in the hiring process. It also shows that an employer exercised due diligence. Even if an applicant is found to have a criminal background record during background screening by an employment services screening agency, there are legal limitations on what information can be used by an employer.

Credit Report, Criminal Records & More

If a criminal conviction or pending case is located, does that necessarily mean that an applicant is eliminated? The answer again is no. Courts have found that a policy of automatically denying employment can result in discrimination against certain groups. Instead, employers must examine whether there is a sound business reason to not hire an individual with a criminal record, taking into account the nature of the offense, whether it is job-related, when it occurred and what the person has done since.

What should applicants do if they are concerned about a criminal matter? First, ask an attorney if the criminal record can be expunged or set aside by going back to court, or whether it is the type of offense that an employer may legally ask about or consider. Second, applicants can seek to rebuild their resumes by finding employment with people they know, or with employers in a tight job market willing to give them an opportunity. Finally, honesty is always the best policy. A criminal matter explained during an interview may have much less of a negative impact than hiding it and having an employer discover it later. The denial of a job could be based upon the lack of truthfulness, regardless of the nature of the offense.

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:

review

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.

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!

https://www.hrbackground.com

 

FRAUD

stolen

Lions, tigers, and lost Social Security cards, oh my! Yes, it’s a very scary thought. Information that you have likely worked hard throughout your life to protect is now missing. It could be in the hands of someone that has mischievous ideas or more likely, it could be in the trash. The thought of your name and matching social security number being used to secure credit (that you obviously didn’t authorize) is horrifying and devastating.

If this happens, steps may be taken to lessen the blow to your credit (and psyche).

If you believe that you might be a victim of identity fraud, follow these steps.

  1. Place a fraud alert on your credit report by contacting one of the three major credit bureaus (Transunion, Experian, and Equifax). Once placed, the other two bureaus will be notified. The initial fraud alert will last for at least ninety days.
  2. Review your credit report for fraudulently open accounts.
  3. If accounts are found; contact the creditor and question the account.
  4. File a fraud report with your local police department and the Federal Trade Commission.
  5. Report to your bank and other creditors about identity fraud.
  6. Place an extended fraud alert on your credit. The extended alert will last for 7 years.

For some it is necessary to continue with one more step. They may elect to place a security freeze on their credit report. The security freeze prevents anyone (lender’s and creditor’s) from accessing your credit report. There is no time limit on the security freeze, and will remain on your credit until you say otherwise.

The fraud alert and the security freeze are consumer (you) initiated and ended. A credit reporting agency must follow certain guidelines pertaining to identity theft. As a consumer, you have rights, and those rights are there to protect and help you in the event of a situation such as identity fraud.

There are other reasons that one may elect to place a fraud alert or security freeze on their credit, but it may cost the consumer an out of pocket initial fee to establish.

 

Pay Your Taxes or Doom Your Credit

death & taxes

The time of year that everyone despises has come around yet again. It’s a certainty of life. You are born, you pay taxes, and you die. Many people get overwhelmed with the process of filing their taxes, or the thought of having to pay out any sum of money. Let’s be real. The majority of Americans do not save money throughout the year to pay at tax time. We all know we should, but there are so many other things that we can use that money on. So the question is, what happens if you don’t pay your taxes?

A tax lien. That’s what happens. If you don’t pay your taxes, it will not immediately show up on your credit report. However, the IRS will file a tax lien.
Tax Lien:          “A tax lien is the federal or state government’s legal claim on your property.”

                        Applies to real estate, vehicles and financial assets.

 

A tax lien will drop your credit score easily by 100 points, show on your credit and will negatively affect your ability to get a credit card, loan, or mortgage.

The IRS will file a tax lien if you owe a minimum of $10,000. State and local jurisdictions vary, but the state can and will file a tax lien with an unknown minimum of amount owed.

If you didn’t pay your taxes in the past, and you already have a tax lien affecting your credit, you can follow these steps:

  1. Pay your current taxes on time or work out a payment arrangement
  2. Get the tax lien released
  3. Pay back the owed debt in full – the lien will be released within 30 days
  4. Offer in Compromise – Settling your debt for less than you actually owe
  5. Discharge of Property – Must meet eligibility requirements
  6. Wait 7 years for it to fall off of your credit report. Verify that the lien shows on your credit as being paid/satisfied*

*There is ONE MORE resource for you if you didn’t pay your taxes previously. The federal government created the Fresh Start Program. If you pay your debt in full, you can request that the IRS WITHDRAW your tax lien. The credit bureaus do not include withdrawn tax liens on your credit report.

The best thing you can do, as much as it may hurt, is to pay your taxes in full from the beginning. For the most part, a tax lien can be avoided, so why deal with that hassle?

For more information on the Fresh Start Program