Credit Reports

DISA’s credit report checks support sensitive hiring decisions by verifying financial responsibility for roles with access to confidential data, cash, or fiduciary duties.

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Compliant Credit Reporting for Sensitive Applicants

Credit reports are ordered for specific job titles that are fiduciary or executive in nature. Employers who are hiring applicants in these positions want to ensure that the person who they hire can be trusted to work with highly confidential information, which includes company financial statistics and data.

When a pre-employment credit report is run on an applicant, their FICO score will not be included, since a background check is different from a credit report that’s being checked for issuing actual credit. Requesting a credit report for a pre-employment screening is sensitive in nature and is usually only accepted for specific positions.

DISA's Credit Report Process

Credit reports are ordered and conducted separately from background checks and must abide by state laws. Depending on the state restrictions, availability and use of credit reports vary. When conducting a credit report, DISA will do the following:

Ensure there is a signed consent from the applicant
If not available, the backgrounds team will request a copy of the applicant’s signed authorization
DISA processes credit reports through TransUnion
Acknowledge consent
Document TransUnion’s results into our proprietary online platform
TransUnion charges a fee for accessing their system, which will be charged to the customer in addition to DISA’s employment product fee

DISA's Credentialing Process

DISA ensures the accuracy of all the information collected with the reports by following a thorough process to verify the validity of the companies who are requesting the credit reports.

If credit reports are requested, the minimum turnaround time is 7 business days. Both non-publicly traded and publicly traded companies must complete the forms in their entirety and must include signature and date with all documentation returned and received.
A request for an onsite inspection has been placed for non-publicly traded clients

With the request, an email notification is submitted to the client that an inspector will be contacting them to arrange an appointment for an inspection.
If the inspection is delayed for any reason further actions in completing the credit report setup will also be delayed.

After receipt of an onsite inspection report, it may take an additional 48-72 hours.
An email notification is submitted to the client once they are active to run credit reports.

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Background Check Offerings

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Pre-Employment Background Checks

DISA’s pre-employment background checks offer configurable, compliant screening solutions to help employers hire confidently and meet industry standards.

Criminal Background Check

DISA’s criminal background checks help employers hire safely by uncovering county, state, and federal records—reducing risk and ensuring workplace security.

Civil Background Checks

(Federal & County) - DISA’s civil background checks reveal lawsuits, judgments, and liens to help employers assess risk, prevent liability, and make informed hiring decisions.

SSN Validation

DISA’s SSN Validity Check flags fraudulent Social Security numbers, helping reduce identity fraud and ensure applicants provide valid, SSA-issued SSNs.

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Employment Verification

DISA’s employment verifications confirm an applicant’s job history, helping employers ensure accuracy, assess trustworthiness, and make informed hiring decisions.

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I-9 & E-Verify

DISA’s I-9 & E-Verify solution streamlines workforce compliance with flexible, remote verification tools—ensuring fast, accurate employment eligibility checks.

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State Driving Records

DISA’s State Driving Record checks verify license status and driving history, helping employers ensure safe, qualified hires for transportation and driving-related roles.

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Professional Licenses & Credentials

DISA’s professional license verifications confirm certifications directly with accrediting bodies, ensuring applicants are properly licensed, qualified, and free of disciplinary actions.

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Adverse Action Notices

DISA supports FCRA compliance by helping employers issue required adverse action notices—ensuring candidates are informed and given a chance to dispute background check results.

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Personal Reference Verification

DISA’s personal reference verifications provide insight into an applicant’s character, skills, and fit—helping employers make confident, informed hiring decisions.

Government Sanctions Lists

(OFAC/Patriot Act) - DISA’s government sanctions list checks, also known as Patriot Act searches, screen applicants against global watchlists to ensure compliance and prevent hiring prohibited individuals.

Sex Offender Search

DISA’s sex offender searches check state and national registries to help employers identify registered offenders—critical for roles in education, healthcare, finance, and more.

DOT Testing Records

DISA’s DOT testing records service helps employers meet compliance by retrieving drug and alcohol test histories for safety-sensitive roles—ensuring safe, qualified hires.

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Financial Due Diligence

DISA’s Financial Due Diligence services deliver in-depth, courthouse-sourced investigations to uncover financial risks—protecting your company’s reputation and investment decisions.

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Education Verification

DISA’s education verification confirms degrees, dates, and credentials with schools or databases—helping employers ensure applicants meet job qualifications and hiring standards.

For Every Size Business & Industry In One Easy-To-Use Platform

Employment Screening

DISA is easily configurable to fit the way your company recruits. Whether you're a large company managing screening for multiple locations, or a small business needing to run a background check occasionally, we've got you covered.