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Credit Checks

Lend with proof,
not assumptions.

Pull credit reports, score thresholds, and bank statement analysis through a single deepidv workflow. Every decision tied to a verified identity, every report audit-ready.

3

Bureaus Pulled (Default)

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Minute Report Time

100%

FCRA Compliant

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Credit Checks verification
Comprehensive Credit Data

What You Get

Complete financial picture from all three major credit bureaus

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Tri-Bureau Credit Reports

Pull reports from Equifax, Experian, and TransUnion in a single request. See the complete picture - different creditors report to different bureaus.

FICO Credit Scores

Industry-standard FICO scores from each bureau on the 300-850 scale. See score variations and identify discrepancies across bureaus.

Payment History Analysis

Detailed records of on-time payments, late payments (30/60/90+ days), missed payments, and defaults. Payment patterns predict future behavior.

Account Details

Open and closed credit accounts including credit cards, auto loans, mortgages, student loans, and retail accounts with balances and status.

Credit Utilization

How much available credit is being used. High utilization (above 30%) indicates financial stress. Low utilization suggests discipline.

Public Records

Bankruptcies, tax liens, civil judgments, and collections reported to credit bureaus. These severely impact creditworthiness.

Credit Check Process

Get comprehensive tri-bureau reports in under one minute
Submit Information

Provide individual or business details for credit check

Pull All Three Bureaus

Query Equifax, Experian, and TransUnion simultaneously

Analyze Results

Compile payment history, scores, and risk indicators

Deliver Report

Clear, actionable report with visual risk indicators

Why Choose deepidv

Why deepidv Credit Checks

More comprehensive, transparent, and compliant than competitors

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Tri-Bureau Standard

Pull all three bureaus by default - no extra charges. Single-bureau checks miss critical accounts that other creditors report to.

Real-Time Bureau Data

Direct connections to Equifax, Experian, and TransUnion provide instant, up-to-date credit information. No stale data.

Clear Reports

Visual indicators for high-risk items, payment trend analysis, and plain-language summaries that inform decisions without expertise needed.

Soft Pull Options

Check credit without affecting scores. Perfect for pre-qualification, employment screening, and situations where hard inquiries aren't appropriate.

FCRA Compliant

Full compliance with Fair Credit Reporting Act including permissible purpose validation, required disclosures, and dispute handling.

Payment Trend Analysis

More than scores - we analyze payment patterns, utilization trends, and account age to predict future financial behavior.

Industry Applications

Use Cases by Industry

Credit checks serve critical financial assessment needs across industries

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Tenant Screening

Verify rental applicants can afford rent through payment history and debt-to-income assessment. Reveal eviction-related collections.

Lending & Underwriting

Assess creditworthiness for personal loans, auto financing, mortgages, and lines of credit. Comprehensive data reduces default risk.

Employment Screening

Positions handling finances, cash, or sensitive data often require credit checks. Financial stress can increase insider fraud risk.

Tenant Background Checks

Combine credit reports with rental history and background checks for complete evaluation. Assess affordability and reliability.

B2B Credit Decisions

Extend trade credit confidently by reviewing business owner credit. Personal guarantees mean owner creditworthiness matters.

Insurance Underwriting

Credit-based insurance scores correlate with claim frequency. Assess risk and set premium rates for auto, home, and policies.

Understanding Credit Inquiries

Soft vs Hard Credit Pulls

Choose the inquiry type that matches your use case

Soft Inquiries

  • Don't affect credit scores

  • Don't appear to other creditors

  • Use for pre-qualification

  • Ideal for employment screening

  • Perfect for account monitoring

  • No score impact or visibility

Hard Inquiries

  • Are recorded on credit reports

  • Can slightly lower scores (5-10 points)

  • Required for lending decisions

  • Necessary for lease approvals

  • Needed for permissible purpose under FCRA

  • Multiple inquiries can signal desperation

Risk Assessment

Red Flags Credit Checks Reveal

Identify financial stress and risk indicators beyond credit scores

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High Credit Utilization

Using more than 30% of available credit indicates financial stress and difficulty managing obligations despite acceptable scores.

Recent Late Payments

30, 60, or 90+ day late payments in the last 12 months show current payment difficulties and unreliability.

Multiple Inquiries

Multiple hard inquiries in short periods can indicate desperation, fraud, or someone aggressively seeking credit.

Public Records Issues

Bankruptcies, tax liens, civil judgments, and collections are severe red flags for financial instability.

Account Age & History

Short account history or only recently opened accounts suggest limited financial establishment and stability.

Debt-to-Income Ratio

High monthly debt obligations relative to income predict payment difficulties and default risk.

Deeper Analysis

Additional Data Points

Comprehensive credit analysis includes:

Inquiries & Account History

Understanding credit application patterns:

  • Recent hard inquiries from creditors and lenders

  • Soft inquiries visible only to account holder

  • Account age showing when accounts opened

  • Total credit history depth and length

  • Account opening/closing patterns

Integration Advantages

Combine credit checks with other screening:

  • Credit shows payment behavior

  • Background checks show criminal history

  • Financial screening shows bankruptcies

  • Employment verification confirms income

  • Complete risk assessment from all angles

Choosing Your Approach

Standalone vs Integrated Screening

Use credit checks alone or combine with other screening methods

Credit Checks Only

  • Quick financial assessment

  • Perfect for lending pre-qualification

  • Identify payment risk and capacity

  • Fast turnaround (< 1 minute)

  • Lower cost for simple screening

  • Soft pull options available

Integrated with Full Screening

  • Credit + Background + Employment

  • Complete risk assessment picture

  • Payment behavior + criminal history

  • Financial + personal verification

  • Higher confidence for sensitive roles

  • Comprehensive due diligence workflow

Trusted & Certified

Built to meet the world's most demanding security and privacy standards.

SOC 2 Type II
SOC 2 Type II

Audited security controls for data protection

GDPR Compliant
GDPR Compliant

Full compliance with EU data privacy regulations

ISO 27001
ISO 27001

International standard for information security

DIACC Member
DIACC Member

Digital ID & Authentication Council of Canada

Developer SDK

Ship Verification in Hours, Not Weeks

Our SDK gives you pre-built UI components, server-side libraries, and a sandbox environment so you can go from zero to live verification in a single sprint.

Read the DocsGet API Keys
verification.ts
import { DeepIDV } from '@deepidv/sdk';

const client = new DeepIDV({
  apiKey: process.env.DEEPIDV_API_KEY,
});

const verification = await client.verify({
  type: 'identity',
  checks: ['id-document', 'liveness', 'face-match'],
  webhookUrl: 'https://yourapp.com/webhooks',
});

// verification.url → send to your user
// verification.id → track the session

Client SDKs

Native SDKs for iOS, Android, and Web with drop-in UI components for ID capture, liveness, and document upload.

Server SDKs

Node.js, Python, and Go libraries to manage verifications, retrieve results, and configure workflows programmatically.

Sandbox Environment

Full-featured test environment with simulated ID documents, mock biometrics, and instant webhook delivery for rapid development.

Modular Architecture

Pick only the modules you need — ID verification, liveness, e-signatures, document management — and compose custom flows.

Instant Credit Insight

Experience the Difference

See how deepidv credit checks can inform your decisions - it takes 60 seconds.

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Frequently asked questions

Yes. deepidv pulls tri-bureau reports from Equifax, Experian, and TransUnion by default - no extra charges. Single-bureau checks miss accounts that other creditors report to, so we always give you the complete picture.

Soft inquiries don't affect credit scores and aren't visible to other creditors - ideal for pre-qualification, employment screening, and account monitoring. Hard inquiries are recorded on the credit report and can slightly lower scores (5-10 points), but are required for lending decisions and lease approvals under FCRA permissible purpose rules.

Most credit reports are delivered in under one minute. Our direct connections to Equifax, Experian, and TransUnion return real-time, up-to-date data without delays.

Yes. deepidv credit checks are 100% FCRA compliant, including permissible purpose validation, required disclosures, adverse action handling, and consumer dispute workflows.

Yes. Credit checks can be run standalone or combined with deepidv background checks, employment verification, and identity verification for a complete due diligence workflow - covering payment behavior, criminal history, and identity confirmation in one flow.

Still have questions?

Our team is ready to help you get started.

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Ready to verify with confidence?

See how deepidv can transform your verification process.

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