Financial background screening
At 3rd Degree Screening, our Credit and Financial Checks provide valuable insights into a candidate's financial history — helping you assess their financial responsibility and the potential risks associated with placing them in roles that involve financial transactions, budget management, or access to company assets.
Credit verified
FCRA compliant
PBSA Accredited
Background Screening Association
FCRA Certified Staff
Fair Credit Reporting Act
100% US-Based
Support and Operations
Licensed Private Investigative Agency
State-Licensed & Bonded
Multi-layer financial screening
Our Credit Report Checks provide a comprehensive overview of a candidate's financial standing — including credit history, outstanding debts, and overall creditworthiness — for roles that handle financial transactions or have access to company finances.
Our Bankruptcy Checks examine a candidate's bankruptcy history, allowing you to evaluate their financial stability and responsibility before placing them in positions involving financial decision-making or fiduciary duties.
Liens checks identify any outstanding legal claims against a candidate's property or assets as collateral for unpaid debts — uncovering unresolved financial obligations that may be relevant to their suitability for certain roles.
Our Judgment Checks reveal any court-ordered financial obligations or legal judgments against a candidate, indicating past financial disputes or unpaid legal obligations that may signal potential financial risk.
All credit and financial checks are conducted in strict compliance with the Fair Credit Reporting Act — including proper candidate consent, legally required disclosures, and adverse action procedures — protecting your organization at every step.
We hire for financial roles regularly. 3rd Degree's credit and financial checks give us the confidence that candidates can genuinely handle fiduciary responsibilities before we extend an offer.
Sarah M.
CFO
The bankruptcy and liens checks caught a significant financial obligation our previous vendor missed entirely. That is exactly the level of diligence our organization requires.
James K.
Risk Manager
Fast, accurate, and fully FCRA-compliant. Credit screening used to slow down our hiring process — with 3rd Degree it's seamless and the reports are clear every time.
Patricia R.
HR Director
4-in-1
Credit, bankruptcy, liens & judgments
Comprehensive financial screening
FCRA
Fully compliant reporting
Consent-based process
Fast
Results in hours
Not days
100%
Consent-based
Candidate authorized
How It Works
We gather candidate consent, query trusted financial databases, and deliver a clear, audit-ready report covering credit history, bankruptcies, liens, and judgments — all in compliance with FCRA requirements.
Candidate consent and legally required FCRA disclosures are obtained before any financial data is accessed — ensuring full compliance from the very first step.
We query national financial databases for the candidate's credit history, bankruptcy filings, outstanding liens, and any court-ordered judgments.
Our team reviews the data for accuracy and compiles a comprehensive financial background report with all findings clearly documented.
You receive a clear, FCRA-compliant financial background report with adverse action workflows built in for any necessary next steps in your hiring process.
Comprehensive coverage
Financial risk protection
For positions involving financial transactions, budget oversight, or access to company finances, our credit and financial checks provide essential insight to protect your organization's assets — and the confidence to make hiring decisions based on verified financial history.
Regulatory compliance
In finance, fiduciary, insurance, and other regulated industries, credit checks may be a compliance requirement — not just a best practice. We conduct every check in full adherence to FCRA requirements and applicable state regulations, keeping your program legally defensible.
Complete financial picture
A credit score alone doesn't tell the full story. Our financial screening surfaces bankruptcies, outstanding liens, and court-ordered judgments — so you have the complete financial picture before extending an offer for any financially sensitive role.
Get a Demo
Skip the sales pitch. We'll walk you through a real credit and financial background report, show you how FCRA compliance workflows operate end-to-end, and answer every question — no commitment required.
Fill out the form and we'll reach out within one business day.
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