Credit Check
Screenaze offers a professional Credit Check for Employment to help organizations evaluate the financial background of potential hires. As a leading Employee Financial Verification Company, we provide detailed credit insights such as loan defaults, credit card dues, payment behavior, and overall creditworthiness—critical for roles involving financial responsibility, asset management, or fiduciary duties. Our Employee Credit Verification Service helps you assess risk, prevent fraud, and hire candidates who demonstrate financial integrity. With consent-based, bureau-authenticated reports, Screenaze enables secure, compliant, and transparent financial screening during your hiring process.
What is Credit Check?
A credit check evaluates a candidate’s financial standing by analyzing their credit score, liabilities, loan history, and payment behavior. It helps assess responsibility and integrity, especially for finance-related roles.
How It Works
Our Employee Credit Verification Service pulls credit reports from recognized credit bureaus after candidate consent. It includes repayment history, loan accounts, outstanding balances, and defaults. This helps employers assess financial responsibility—especially for finance, banking, or compliance roles—making it an essential part of trusted and risk-aware hiring.
What Parameters are Verified?
- Credit Score
- Outstanding Loans and Repayments
- Defaults or Late Payments
- Loan Types (Secured/Unsecured)
- Financial Red Flags
Source of Verification
We retrieve credit and financial history through:
Authorized Indian credit bureaus (CIBIL, Equifax, CRIF High Mark, Experian)
PAN-based data extraction after candidate consent
Official financial institutions reporting defaults, loans, and credit card activity
RBI-linked data sources on NPAs and delinquencies
Mode of Verification
Digital consent-based pull of credit reports via bureau API
PAN and name matching to ensure accurate profile retrieval
Report highlights:
Credit score
Total accounts (secured/unsecured loans)
Delinquent or overdue accounts
Payment history and defaults
Bankruptcy/settlement (if applicable)
Secure report sharing with client via encrypted channel
TAT (Turnaround Time)
2 to 5 business days
Frequently Asked Questions
Yes, but it requires written consent from the candidate and is typically used for roles involving money handling or fiduciary responsibility.
The report covers credit score, active/inactive accounts, repayment history, defaults, and high-risk behavior indicators.
Employment credit checks are soft inquiries and do not impact the candidate’s credit score.
Most credit reports are available within 24 to 48 hours post consent and data matching.
Credit checks are optional but critical for financial roles. Lack of consent may affect hiring eligibility for high-trust positions.