Conducting a credit inquiry on a potential candidate accomplishes 2 primary objectives:

Reveal financial pressures - BackCheck recognizes that some people will hit a patch of bad luck, but there is truth in the maxim that "desperate people do desperate things." A history of collections, missed payments, legal problems and bad debt write-offs is highly correlated with other "red flags" during the BackCheck process.

Reveal negative banking information - A credit report is often the only place that one can discover fraudulent banking information. In the wake of Enron and Worldcom, financial transparency is a high-risk issue that is addressed by using BackCheck’s credit reports.