Credit Checks

What is possible with Credit check?

It possible to run a credit search on a candidate. We use Equifax as our supplier for this data.

Verifile has full system integration with Equifax, so Credit Check results are available within seconds for client entry orders.

The check is undertaken using 1 set of forenames (first and middle), up to 2 surnames (current and previous) and up to 3 UK addresses.

Results will produce any CCJs (County court judgements), Bankruptcy Orders or VoluntaryArrangements the candidate has. It will also display any correction notices that are outstanding with the supplier.

We also able to perform a secondary credit search with Experian, however this takes a few days to perform.


Structure of the check

The Credit Check listed in the API, is:

  • UKCreditCheckEquifax

No additional fields are needed within in the Checks element. When a Credit Check is ordered as part of a client entry order, an address history is needed within the Candidate element. The address should cover 6 years history with at least 1 address being in the UK.


Client entry order

A typical example of a client entry order for a Credit Check.

Response

            
"Checks": [
  {
    "CheckType": "UKCreditCheckEquifax"
  } 
]
                
            

Response

            
"Checks": [
  {
    "CheckState": {
    "StateDescription": "Completed - Red"
  },
  "Id": 1667,
  "Comment": "",
  "CheckCreditEquifaxTotalChecksIncluded": 1,
  "CheckCreditEquifaxTotalAdverseRecords": 1,
  "CheckCreditEquifaxTotalValueOfCCJs": 1438500.0,
  "CheckCreditEquifaxLatestCCJDate": "2019-06-18",
  "CheckCreditEquifaxTotalBankruptcyOrders": 0,
  "CheckCreditEquifaxTotalVoluntaryArrangements": 0,
  "CheckCreditEquifaxTotalNoticesOfCorrection": 1,
  "CheckCreditEquifaxTotalPreviousSearches": 0,
  "CheckCreditEquifaxCurrentAddressVarified": "No",
  "CheckCreditRollingRegister": [],
  "CheckCreditCountyCourtJudgements": [
    {
      "CheckCreditRegisterName": {
      "Title": "",
      "FirstName": "Jeremey",
      "LastName": "Jones",
      "MiddleNames": ""
    },
      "CheckCreditCcjDateOfBirth": "1971-09-28",
      "CheckCreditCcjCourtDate": "2019-06-18",
      "CheckCreditCcjValue": 1438500,
      "CheckCreditCcjType": "County Court Judgement (England, Wales and Northern Ireland)",
      "CheckCreditCcjSatisfiedDate": null,
      "CheckCreditCcjCourtName": "Verifile Court",
      "CheckCreditCcjCaseNumber": "1BDDAAA3",
      "CheckCreditCcjCourtCode": "999",
      "CheckCreditAddressMatchedId": 577
    }
  ],
  "CheckCreditAllSearches": [],
  "CheckCreditAliases": [],
  "CheckCreditElectoralRole": [],
  "CheckCreditMatchedAddresses": [
    {
      "CheckCreditEquifaxAddress": {
        "HouseNumber": "5",
        "HouseName": null,
        "StreetName": "Stannard Way",
        "Locality": "",
        "Town": "Bedford",
        "County": "Bedfordshire",
        "State": "",
        "Postcode": "MK44 3JZ"
    },
    "CheckCreditAddressMatchedId": 577,
    "CheckCreditAddressIsCurrent": null
  }
  ],
  "CheckCreditNoticeOfCorrection": [
    {
      "CheckCreditCorrectionName": {
        "Title": "",
        "FirstName": "Jeremey",
        "LastName": "Jones",
        "MiddleNames": ""
    },
    "CheckCreditCorrectionDateCreated": "2019-06-24",
    "CheckCreditCorrectionText": "NOTICE OF DISPUTE - THE INDIVIDUAL CONCERNED HAS DISPUTED THE ACCURACY OF THE INFORMATION REGISTERED AT THIS ADDRESS AND WE HAVE NOW CONTACTED THE SUBSCRIBER CONCERNED. CARE SHOULD THEREFORE BE TAKEN WHEN USING THE DATA AT THIS ADDRESS TO ASSESS THE CREDITWORTHINESS OF THE INDIVIDUAL CONCERNED.",
    "CheckCreditCorrectionContinuationIndicator": "N",
    "CheckCreditAddressMatchedId": 577,
    "CheckCreditCorrectionDateOfBirth": "1971-09-28"
    }
  ],
  "CheckType": "UKCreditCheckEquifax"
  }
]
                
            

Candidate entry order

A Typical example of a candidate entry order for a Credit Check.

Request

            
"CheckGroups": [
  {
    "CheckTypeId": "UKCreditCheckExperian"
  }
]
                
            

Response

            
"Checks": [
  {
    "CheckState": {
      "StateDescription": "Awaiting candidate entry"
    },
    "Id": "10001",
    "Comment": "",
    "CheckType": "UKCreditCheckExperian"
  }
]