Answer

Are credit reports included in a background check?

A credit report is sourced at one of the three major credit bureaus. A credit report can reveal if an applicant has lived at a particular address or addresses for a length of time and can be an indicator of how responsibly he/she has handled personal financial affairs. In some states, this product can only be used for certain positions, such as fiduciary or executive management positions, or for certain regulated employers. Note, no credit score is provided on the credit report for employment purposes. State and local laws restrict when a credit report can be obtained for employment purposes.

Background screenings can vary greatly depending on what is required of certain positions, industry standards, and state laws. DISA's products include:

  • Criminal History Checks (Federal, State, and County)
  • Civil Searches (Federal and County)
  • SSN Validity Checks
  • Employment Verifications
  • Education Verifications
  • I-9 and E-Verify
  • State Driving Records
  • Professional Licenses and Credentials
  • Credit Reports
  • Adverse Action Notices
  • Personal Reference Verifications
  • Government Sanctions Lists
  • Sex Offender Searches
  • DOT Testing History
  • Criminal Investigative Services

If the background check was with DISA, you can dispute it from our Applicant Assistance page.

The quickest way to dispute a background check, that was conducted by DISA, is to complete the dispute form here:

Applicant Assistance