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Credit Checks
A credit check can easily be done if you have a signed release
from your subject such as is found on some employment applications or credit
authorization forms. There are currently three major credit bureaus that compile
credit information:
Trans-Union
Experian
Equifax
The three agencies listed above are individual private agencies. Each one
maintains a separate report for each individual and quite often, the information
found at one agency is not the same as found at another. Under certain
circumstances an individual can request their own credit report for free,
however, when requesting authorized information on another individual, you will
be charged a fee. Therefore it may be worthwhile to simply obtain these records
using an online service due to the speed of delivery and convenience that they
can offer.
Other sources which are available to you for credit information and that are of
public record are uniform commercial code filing, lien and bankruptcy records.
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