A Personal Credit History gives you all that you get with an I.D. Verification,
and in addition, you get the details of all Revolving, Open, and Installment
accounts that the person has, plus notes about public financial records such
as bankruptcies.
A Personal Credit History from The Integrity Center comes to you from the
national credit system, and like SSN Verifications and I.D. Verifications,
the SSN is washed against the current quarter's master tape from the
Social Security Administration.
As is the case with SSN Verifications and I.D. Verificatons, if there are any fraud
WARNINGS like the following, they will be
presented in a big *** starred *** box at the top of the report.
 
Social Security Number has never been issued by the
Social Security Administration.
Social Security Number has been reported misused.
Thorough verification suggested.
Inquiry address has been associated with more than
one name or Social Security Number.
Inquiry address is a storage facility. Thorough
verification suggested.
Inquiry address is a check cashing facility. Thorough
verification suggested.
Inquiry address is a U.S. Post Office Street Address.
Thorough verification suggested.
Inquiry address is a campground. Thorough verification
suggested.
Social Security Number has been issued to a person who
has been reported deceased.
Inquiry address is a hotel/motel. Thorough verification
suggested.
Inquiry address is a telephone answering service.
Thorough verification suggested.
Social Security Number issued by the Social Security
Administration within the last five years.
Inquiry address is a State/Federal prison or detention
facility. Thorough verification suggested.
Telephone number has been reported misused.
Telephone number is a telephone drop number.
Inquiry address is a mail receiving service. Thorough
verification suggested.
Inquiry address has been reported misused. Thorough
verification suggested.
Possible true name fraud. Thorough verification
suggested.
Independently, the national credit system keeps tabs on whether they consider
the data associated with an SSN number to be verified by requiring two independent
credit merchants to submit identical information at different times for the number.
It is possible, either through fraud or typos, to have multiple people using
the same SSN. Hopefully, the presumptive owner of the SSN is the only person
using the number, but employers want to know. Other users of the SSN are listed as
aliases on the report.
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