Credit reports provide a seven-year history of individual or joint financial information. Credit bureaus are private organizations that collect vast amounts of financial information about individuals. Credit bureaus obtain information on a daily basis from financial institutions, as well as other business enterprises or government agencies with which the individual has financial obligations or transactions.

If your candidate will be in a position of handling money or other organizational assets, or has check writing or investment authority, a credit bureau records check is a reasonable risk management procedure.

ODM is online with Equifax and can generally secure a credit report in a matter of minutes.