Food & shelter are among the basic biological
or physiological needs identified by Abraham Maslow in his "Hierarchy of Needs"
It is not surprising then, that there are those
who resort to fraud or identity theft to secure
a job or place to live. They may present with the name, Social Security Number (SSN),
credit, employment and residence history of a friend... or that of a perfect stranger.
Either way, you are at considerable risk if you accept them - risk of credit loss or
Applicant Authentication - Best Practice #7
Data returned in
background checks or otherwise developed as part of the screening process, is of
no value unless we are certain that the applicant is who they say they are.
The first step in the tenant or employee screening process, therefore, must be
to confirm the identity of the applicant. Human resource and property
management professionals know well the importance of requiring unexpired government-issued photo ID
as part of the application process - prior to ordering a background check.
Documents can be forged, however, so we look to
our tenant or employee background check companies to further authenticate applicants
by comparing address and employment history information provided by the
applicant to that found in the header portion of consumer and pre-employment
credit reports, the public record or other tools available to consumer reporting
Direct-to-consumer tenant and employee
screening products take authentication to the next level by automating the process - by securely matching
to their credit files and by presenting a series of questions that only they can
answer. These programs are very sophisticated - very
accurate and very good at detecting fraud.
Confirming the identity of applicants is
arguably the most important step in the tenant or employee screening process.
Applicants are authenticated in one of two ways:
- Manually - by requiring unexpired government-issued
photo ID and by comparing that information to information found in the
application, credit report and other sources.
- Electronically - by leveraging
technology such as Experian'sTM Precise IDSM
and Knowledge IQSM
(PID/KIQ) fraud prevention platform.
for information about direct-to-consumer
tenant and employee screening products with integrated authentication and fraud