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Onboarding Checklist

Please be prepared to provide the following documents/information to help us onboard your business efficiently:

•  License from City, County, or State (if applicable for your industry).
•  Secretary of State - Articles of Organization/Incorporation, Certificate of Amendment, Approved Business Listing, Certificate of Filing
•  Federal EIN Confirmation Letter (SS-4, 147C)
•  We need an active and working website to better understand your business, what services you offer, and what industry you are in.
•  Register your business in the Yellow Pages with a free business listing. Call 844-339-7991.
•  Copy of Lease Agreement. from a company you do business with (lender, vendor,  partner, client, etc.).
•  Copy of the consent form you will have the consumer sign before pulling credit. If you do not have one, we can provide an example for you.
•  Copy of driver’s license.
•  Copy of a business phone bill.
•  If a Lender, an example of a Funding offer might be needed
•  If a Broker, a copy of a lender agreement might be needed

If in business for less than one year, you may be asked to provide a copy of a bank statement and proof of commercial insurance.

Any licenses, Federal EIN documents, Secretary of State documents must show an updated address (it cannot be an old address from a previous office). These documents must match the same address where the inspection will be performed.

Virtual Inspection Information 

• The main office of the company must be at the address that is put on the End User Agreement when you are signing the contract.
• The office must look like a permanent business The following items are what the inspector will be looking for to determine this (not all of these are required in order to pass this section):
  • Address Matches Contract
  • Permanent Signage (not applicable out of a home office)
  • Business License
  • Matching Business Card / Letter Head
  • Office Equipment Present
  • Telephones In Office

• If the office is in a shared workspace of any kind there must be a physical separation and security measures between the office being inspected and other offices. Most commonly this is a locking door at least and even better if there is also a security system of some kind.

Business Practices:

• The inspector will ask, "What service or product is provided by your company?" This is to ensure that the company is not associated with specific business types that do not have a "permissible purpose" to access prescreened consumer credit data. These specific business types that do not have a permissible purpose to access credit data are listed below:
  • Adoption Search Firms
  • Asset Location Services
  • Bail Bond
  • Companies Involved with Adult Content
  • Homeowners Associations
  • Credit Counseling
  • Credit Repair
  • Country Clubs
  • Dating Services
  • Diet Centers
  • Investigative Companies
  • Legal Services
  • Loan Modification Companies
  • Media Agencies 
  • Timeshare
  • Financial coaching
  • Financial Counseling Security and Data Storage:

• The inspector will look for the following security
  • Locking Door to the whole office*
  • Locking Doors within the office to individual offices
  • Lockable file cabinets*
  • Password Protected Computers*
• If there is a server at the office it must be password protected and must be behind the aforementioned physical security measures.
• Computers must have up-to-date anti-virus/anti-malware
• The office must not share their internet network access with any other companies in the building.
• There must either be a crosscut shredder or document destruction service bin in the office.

*Please note, that the inspector may take pictures of any desk or workstation in the office Phone Verification:

• When the inspector calls the company they are checking to see if the phone is answered in a professional manner where they give the company name and their name.
• They will be calling the number put on the signed agreement and/or the phone number listed on your company website.

Click Here to View the Subscriber & End User Agreement