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Insight Screening Solutions

Credit Reports

Credit information presented for the decision you need to make.

Access consumer credit information for a permissible screening purpose, organized within the applicant workflow and configured around your housing or employment program.

Discuss Credit Report OptionsExplore Resident Screening
Credit Report
Completed
  • Report summary
  • Accounts
  • Payment history
  • Public records
  • Score, when available

Permissible purpose required

Credit information is ordered for a permissible screening purpose, configured to your program.

What a credit report can help you review.

Gain visibility into key credit information, presented clearly in a report that supports your screening process.

  • Credit history

    View an individual's credit history, including account types and activity.

  • Payment patterns

    Review payment history to help assess past obligations.

  • Accounts and balances

    See open and closed accounts, current balances and account status.

  • Public-record information when included by source

    Review bankruptcies, liens and judgments when available in the report.

  • FICO score when available in the configured report

    Access a FICO score when included in your configured report.

Different use cases require different workflows.

We tailor credit reporting to fit your program, with the right workflow, disclosures and configurations.

  • Resident screening

    Use credit reports to support your property's screening criteria, with applicant authorization and a workflow built for housing programs.

    • Applicant authorization in the application workflow
    • Criteria set by your property
    • Configured alongside eviction and criminal searches

  • Employment screening

    Use credit reports for employment purposes only when appropriate to the role, with a permissible purpose and in accordance with applicable requirements.

    • Role-appropriate use only
    • Permissible purpose recorded
    • Adverse-action workflow support where required

A clear, organized workflow from request to decision.

Our process is designed to help you get accurate, review-ready information, with the right controls at every step.

  1. 01Apply / inviteApplicant applies or is invited to complete the screening process.
  2. 02Disclosures and authorizationConsumer disclosures are presented and authorization is obtained.
  3. 03Credit report orderedThe credit report is requested from our trusted data sources.
  4. 04ISS report QAISS reviews completed screening results before delivery.
  5. 05Organization reviewYour team reviews the report against your criteria and makes the final decision.
  6. 06Consumer report communicationsConsumer report and adverse-action communications are provided where applicable.

Credit can work alongside a broader applicant picture.

Combine credit reports with other screening and verification services to get a more complete view.

Subsidy or rental-assistance workflows can be configured separately based on your property's policy and applicable requirements. Credit reports may not be used for all applicants or programs.

Keep the decision with your organization.

  • Your program

    ScoreCard Pro recommendations can be configured for resident workflows to align with your criteria.

  • Your criteria

    Your organization sets the criteria that the report is read against.

  • Your decision

    ISS provides information and decision support. The final decision stays with you.

Frequently asked questions.

A FICO score is available when it is included in your configured report and provided by the source. It is not part of every credit report.

Configure credit reporting around your screening program.

Let's talk about your goals and show you how ISS can help.

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