Credit Check
Obtain a credit report from the credit bureau for a candidate's financial reliability.
Obtain a credit report from the credit bureau for a candidate's financial reliability.
Turnaround Time:
3-12 business days
Recommended for:
Financial and lending institutions
Disclaimer: Report turnaround varies upon candidates' promptness in submitting documents.
Learn more on how your candidate handles credit with these easy steps!
Step 1: Select what kind of checks to run.
Step 2: Send the request to the applicant.
Step 3: The applicant consents to the use of their data.
Step 4: The check runs automatically. Once finished, the results are automatically sent to you.
FAQs
What is a credit check?
A credit check involves reviewing a candidate’s financial history to assess their creditworthiness.
Why are credit checks performed?
Credit checks are used to evaluate whether a candidate is financially responsible in paying credit, especially for financial and lending institutions
What information is included in a credit check?
A credit check includes information such as payment history, outstanding debts, and overall credit score.
Do credit checks impact a candidate’s credit score?
No, a credit check for employment purposes is a “soft inquiry” and does not affect a candidate’s credit score.
Do candidates need to give consent for a credit check?
Yes, Smile makes sure all information used on checks are user consented and adheres to local laws and regulations.
I'm interested. Do you offer a free trial?
You can sign up for a free trial via our Smile Checks Portal, or book a 30-minute call with us so we can assist you!