Soft-pull credit checks for employment screening. No impact on candidate credit scores. Modified credit reports returned to your dashboard.
Zero Score Impact
Compliant Workflows
Per Soft Credit Inquiry
Average Turnaround
A modified credit report for employment purposes. No credit score included. No impact on the candidate.
A lightweight check focused on major financial red flags. Fast, affordable, and easy to add to any package.
Turn handles the credentialing process with credit reporting agencies. Built into your account setup at no extra cost.
Turn guides you through credentialing with credit agencies, confirming permissible purpose and coordinating any required inspection.
Add a soft credit or financial check to any package or run it standalone, based on role requirements.
Candidates receive disclosure and provide written authorization through a mobile friendly portal.
A modified credit report appears in your dashboard. Only soft inquiries are used, so credit scores are not affected.
Tracks on time, late, and missed payments across credit accounts.
Active accounts such as mortgages, auto loans, student loans, and credit cards.
Accounts in collections and outstanding balances on active credit lines.
Bankruptcies, tax liens, and civil judgments listed on the report.
Credit checks are not required for every role. They are typically reserved for positions involving financial responsibility, access to sensitive data, or regulatory requirements. Many states restrict when employers can run credit checks, so check local laws.
Access to accounts and transactions
Fiduciary responsibility
Clearance requirements
Access to financial systems
Billing and insurance data
IP and proprietary access
No monthly minimums. No seat fees. Pay per check, combine as needed.
Disclosure and signed consent are required before pulling a credit report. Adverse action is required if decisions are based on results.
Employers must certify a valid purpose, such as financial responsibility, data access, or regulatory requirements.
Some states and cities restrict or ban credit checks. Turn applies jurisdiction specific rules automatically.
If action is taken based on results, required notices are handled through built in workflows.
A modified credit report pulled for hiring purposes. Unlike a consumer credit report, it does not include a credit score. It shows payment history, open accounts, collections, public records like bankruptcies, and self-reported employer information.
No. Turn uses soft inquiries only. Soft inquiries do not affect credit scores and are only visible to the candidate on their own credit report. Other employers and lenders cannot see them.
A soft credit inquiry ($10) returns a full modified credit report with payment history, open accounts, collections, and public records. A financial history check ($2) is a lighter search focused on bankruptcies, liens, and judgments only.
Several states and cities limit when employers can use credit checks in hiring, including California, Colorado, Connecticut, Hawaii, Illinois, Maryland, Nevada, Oregon, Vermont, Washington, and cities like New York City and Chicago. Turn's workflows apply these restrictions automatically based on the candidate's location.
Yes. Credit reporting agencies require employers (or their screening provider) to complete a credentialing process that confirms your permissible purpose and business legitimacy. Turn handles this process for you during account setup, including coordinating any required on-site inspection.
Under the FCRA, negative credit information (collections, late payments, bankruptcies) is generally limited to a 7-year lookback for positions paying under $75,000 per year. Bankruptcies may be reported for up to 10 years. Some states have stricter limits.
Disclaimer: The resources provided here are for educational purposes only and do not constitute legal advice. We advise you to consult your own legal counsel for questions related to your specific practices and compliance with applicable laws.
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