check list credit check

Personal Information

Full name

Date of birth

Social Security number

Current address

Previous addresses (if applicable)

Contact details (phone number, email)

Current employer and job title

Length of employment at current job

Previous employers and job titles (if applicable)

Monthly income

Other sources of income (if applicable)

Monthly expenses (such as rent/mortgage, utilities, loans, etc.)

Marital status

Number of dependents

Citizenship status

Driver's license number and state of issuance

Passport number (if applicable)

Any other identification numbers or documents (such as military ID, student ID, etc.)

Current bank account details (bank name, account number, etc.)

Any other financial accounts or assets (such as investment accounts, retirement accounts, etc.)

Any outstanding debts or loans

Credit card information (such as credit card numbers, limits, etc.)

Any bankruptcies or foreclosures in the past

Any legal judgments or liens against the individual

Any other relevant personal information that may impact creditworthiness

Employment Information

Current employer

Job title

Employment start date

Gross monthly income

Previous employers (if applicable)

Any additional sources of income

Financial Information

Bank accounts (checking, savings)

Credit card information (balances, limits)

Loans (mortgages, car loans, student loans)

Other debts (personal loans, medical bills)

Monthly expenses (rent/mortgage, utilities, insurance, etc.)

Credit History

Credit score

Credit report

Late payments or defaults

Bankruptcy or foreclosure history

Outstanding collections or judgments

References

Personal references (names, contact information)

Professional references (names, contact information)

Additional Documentation

Proof of identity (driver's license, passport)

Proof of address (utility bill, lease agreement)

Proof of income (pay stubs, tax returns)

Any other relevant documents

Verification

Verify personal information with identification documents

Confirm employment details with employer

Contact references for verification

Cross-check financial information with bank statements

Validate credit history with credit bureaus

Analysis and Decision

Review all gathered information

Assess creditworthiness based on credit score, history, and financial situation

Determine credit limit or loan eligibility

Make a decision regarding approval or denial of credit

Note: This is a general outline for a credit check checklist. Depending on the specific requirements and policies of the organization conducting the credit check, additional or different sections/items may be included.