Credentialing is an industry term to determine if you qualify to receive a full credit report including the applicants individual trade line activity.
Credentialed users get a complete credit report showing all the trade lines and account information, non-credentialed users get all the same information except the details on the individual trade-lines is suppressed.
To be credentialed you must operate your business from an office location and this can be a home based office but must be a separate room used exclusively as an office.
To become a credentialed user you need:
- Password protected computer that the screen does not face a doorway preventing others from viewing the monitor
- Locking file cabinet
- Document shredder
To complete the process, you will upload photos of the required items including pictures of the office interior and then we will activate your account
Becoming a Credentialed User
To be approved to receive credit reports, the following must be done.
- Virtual Inspections: FREE Inspection. For users operating from a business location, this inspection is a one-time only event, home-based users may be subject to an annual inspection.
- We will verify your office from where you manage/rent your properties. We look to ensure your location is secure and you own a paper shredder, have a locking file cabinet and your pass-word protected computer is not visible to the applicant.
All documents and images MUST be uploaded when applying to create an account.
