When you switch to OPTIMUM10, there is a savings realized for those users that run 11 or more reports in a year. To switch accounts, we must document to Trans Union your permissible purpose to run credit reports; this process is called “credentialing”.

There is a fee associated with the credentialing process. We must conduct a physical office inspection and verify that your office has a locking file cabinet, a document shredder and a password protected computer. The site inspection fee is $64.00 paid along with an annual compliance fee of $35 making the total cost $99.00 to switch to OPTIMUM10.

For a customer operating out of a commercial office location, the inspection is conducted only once unless you move to another location, then a new inspection will be required.

For customers that work out of a home based office, an inspection is required annually and the office must be separate from the rest of the living space.

In addition, we require OPTIMUM10 accounts to supply documents proving they have a legitimate business need to acquire a credit report. These required documents will vary depending whether you are a Real Estate salesperson/brokers/property manager or a landlord.

Landlords must provide a valid photo-ID, a copy of a property tax bill or assessor’s field card and a voided business check. We must also verify your telephone number and website if you have one.

Real Estate salesperson/brokers/property managers must provide a valid photo-ID, a copy of your Real Estate license and a voided business check. We must also verify your telephone number and website if you have one.

Credentialing of our customers must be conducted annually so we have to update our paperwork every year. Basically, this only requires signing a “renewal agreement” and paying the $35 Annual Compliance Fee but if you purchase 35 or more reports a year, we will credit your account with the $35 annual compliance fee.