United States (USA) Credit Judgment & Litigation Check

## Availability Please note that this check is not available unless it is enabled for your organisation by Zinc. Please speak to your Account Manager if you are interested in this check. ## Who is the source of financial integrity check data in the United States? Equifax Credit Bureau ## What is the process in the United States? 1. The requesting party will request the check from the ATS or their Zinc account. 2. Automated instructions are delivered to the candidate to provide some personal details and complete a form in a dynamic web form. 3. Zinc submits the request to the authorities. 4. If the check is clear, Zinc will provide you with a digitally signed report for you and the check is completed with the candidate notified via email and Zinc. 5. If a U.S. Credit Check completes with a match, you will need to handle the adverse action process, the same way you do for other US checks. ## What details are required to submit the check? - First Name - Last Name - Birth Date - Consent - Social Security Number - Social Security Number (SSN) Format: XXX-XX-XXXX (Example: 123-45-6789) - Address - Current or most recent address in the United States - Please provide full address: Street Number, Street Name, City, state, and Zip Code - Specific Authorisation Form ## What is covered in the check? This check is a verification of records nationwide. The check covers citizens and lawfully residing foreign nationals aged 17/18+ with credit activity. - Insolvency & Bankruptcy: Provides a comprehensive view of financial distress, including insolvency filings, bankruptcy registers, debt-related legal actions, and relevant court or official gazette records. - Bad Payment History: Provides a comprehensive consumer credit assessment, identifying adverse payment behaviour across banks, utilities, telecoms, landlords, collection agencies, retailers, and credit card providers, where legally permissible. Results include current financial status, payment defaults, credit accounts, loans and credit cards. ## What is the period covered by the check? - Insolvency & Bankruptcy: up to 10 years dependent on the bankruptcy type - Bad Payment History: up to 7 years ## Restrictions, exclusions, limitations - Anyone younger than 17 will not be able to proceed with the check. - Credit score is not returned through this check. - Your company must have a legitimate business reason for the role for running this check. ## Is there any potential candidate footprint? The verification leaves a soft footprint and does not impact the candidate’s creditworthiness. ## What is the expected turnaround time? [Here](https://zincwork.com/turnaround-times). ## Privacy statement The details contained in this report should not be used as the sole reason for making a decision. Zinc Work Ltd is not liable for any inaccuracies or incompleteness in the information appearing in this report since it is provided to Zinc Work Ltd by third parties. This report has been produced for the purchaser of the report and Zinc Work Ltd will have no liability to loss.