Credit History
Make Better Credit Decisions
Assess financial reliability and verify guest identities with comprehensive credit history reports powered by Equifax integration.
Comprehensive Credit Profiles
Access detailed credit reports including payment history, credit utilization, account types, and public records to assess financial reliability.
Identity Verification
Verify guest identities through credit bureau data, confirming name, address, and other personal information matches across financial records.
Risk Assessment
Evaluate potential financial risks with credit scores, delinquency indicators, and bankruptcy information to protect your property investments.
Comprehensive Credit History Verification
Autohost’s Credit History Checks, powered by Equifax integration, provide property managers with a powerful tool to assess guest financial reliability and verify identities through trusted credit bureau data.
Available for guests in the United States and Canada, this service delivers comprehensive credit information that helps you:
Verify Guest Identities: Confirm that guest information matches across financial records, reducing the risk of identity fraud.
Assess Financial Reliability: Evaluate payment history, credit utilization, and overall financial responsibility.
Make Informed Decisions: Access credit scores and risk indicators to help determine appropriate security deposit requirements or booking approvals.
Comprehensive Credit Insights
Our Credit History Checks provide detailed financial insights including:
Credit Scores: Access standardized credit scores to quickly assess overall financial standing.
Payment History: Review past payment behavior across credit cards, loans, mortgages, and other accounts.
Credit Utilization: See how much of available credit is being used, a key indicator of financial management.
Account Information: View the types and age of credit accounts, providing insight into credit experience.
Public Records: Access information about bankruptcies, collections, and other relevant public records.
Address History: Verify current and previous addresses to confirm location information.
Enhanced Identity Verification
Credit History Checks provide a powerful layer of identity verification by:
Cross-Referencing Personal Information: Verify that the name, date of birth, and Social Security/Social Insurance Number provided match credit bureau records.
Address Verification: Confirm current and historical addresses to ensure consistency with booking information.
Employment Verification: Where available, cross-check employment information with credit bureau records.
Fraud Alerts: Identify potential red flags such as recent fraud alerts placed on credit files.
Identity Authentication: Leverage credit history as a strong form of identity authentication that’s difficult to falsify.
Seamless Integration with Screening Process
Autohost’s Credit History Checks seamlessly integrate with your overall guest screening process:
Automated Screening: Credit checks are automatically incorporated into your verification workflow based on your business rules.
Risk Score Integration: Credit information contributes to the overall risk assessment, providing a more complete picture of potential guests.
Customizable Thresholds: Set your own risk tolerance levels for credit-related factors based on property type, booking value, or stay duration.
Compliance Management: All credit checks are performed in accordance with relevant financial regulations and privacy laws in the USA and Canada.
Secure Data Handling: Credit information is processed and stored with enterprise-grade security to protect sensitive financial data.
Easily integrate your tech stack with Autohost
Use Autohost to integrate the services you need via Web SDK, RESTful API, or our Hosted Verification Page. Alternatively, you can onboard users via a QR code or a link to the verification form without integrating Autohost at all. Don't worry about interruptions with 99.996% uptime.
Frequently Asked Questions
1 Which countries are supported for Credit History Checks?
Autohost's Credit History Checks are currently available for guests in the United States and Canada through our integration with Equifax, which operates in these regions.
2 Do Credit History Checks impact a guest's credit score?
No, Autohost performs soft inquiries that do not impact the guest's credit score. These inquiries are visible only to the consumer on their personal credit report and do not affect their creditworthiness or appear to other creditors.
3 What information is required to run a Credit History Check?
To run a Credit History Check, you'll need the guest's full name, date of birth, current address, and Social Security Number (for US guests) or Social Insurance Number (for Canadian guests). This information is securely processed to retrieve the credit report.
4 How are Credit History Checks integrated with other verification methods?
Credit History Checks complement other verification methods like ID Verification and Background Checks. The Autohost system automatically incorporates credit information into the overall risk assessment, providing a more comprehensive view of the guest. Results can trigger customized business rules based on your preferences.
5 How does Autohost ensure compliance with credit reporting regulations?
Autohost ensures compliance with regulations like the Fair Credit Reporting Act (FCRA) in the US and the Personal Information Protection and Electronic Documents Act (PIPEDA) in Canada. We maintain appropriate permissible purpose for credit checks, provide required disclosures to consumers, and follow secure data handling practices in accordance with these regulations.
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200+
countries supported
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7+
years of credit history data
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24/7
access to credit reports
