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Atlas Screening

Add-on · $39.99

Credit reports for roles where it matters.

Employment-purpose credit data for financial, fiduciary, and executive hires, with permissible-purpose verification and state-law gating built in.

What's included

Credit signals that fit the role.

Never used for entry-level hiring. Scoped tightly to roles where financial responsibility is a documented job requirement.

Employment-purpose pull

Soft inquiry, no impact on the applicant's credit score.

Payment history

Delinquencies, collections, charge-offs, and public records relevant to financial trust.

Bankruptcy & liens

Active bankruptcies, tax liens, and civil judgments from credit and public-record sources.

State-law gating

11 states restrict credit-based employment decisions, so Atlas blocks non-compliant pulls automatically.

Permissible-purpose audit

Every pull is logged with the role, reason, and applicant consent, defensible if ever challenged.

Adverse-action workflow

Pre- and post-adverse letters pre-filled with the specific credit reasons driving the decision.

The check process

From request to report

  1. 01

    Permissible purpose

    Role documented, consent captured, state eligibility verified.

  2. 02

    Soft-pull request

    TransUnion employment-purpose inquiry dispatched.

  3. 03

    Report parsing

    Score, trade lines, public records, and collections structured into the report.

  4. 04

    Compliant delivery

    Branded report with adverse-action workflow one click away if needed.

Credit-report questions.

When credit is appropriate to check, what the applicant sees, and which states say no.

Does this hurt the applicant's credit?
No. Employment-purpose pulls are soft inquiries that don't affect the credit score. The applicant may see the inquiry on their report, but it's marked 'employment purpose' and is not factored into scoring.
Which states restrict credit-based employment decisions?
Eleven states plus several cities, including California, Colorado, Connecticut, Hawaii, Illinois, Maryland, Nevada, New York, Oregon, Vermont, and Washington. Atlas blocks non-compliant pulls automatically based on the applicant's location.
What roles should I actually credit-check?
Anyone handling cash, setting prices, executing trades, signing contracts, or with fiduciary authority: typically finance, accounting, treasury, legal, executive, and senior procurement roles.
Is a credit report the same as a credit score?
The report includes the score but also trade lines, payment history, public records, and collections. For employment decisions, the detailed report matters far more than the single score.

FCRA compliance

How this check stays compliant.

Built to be defensible: upfront consent, adverse-action support, and open dispute rights.

  • Atlas is the reporting agency; you decide

    Atlas is a Consumer Reporting Agency that furnishes reports under the FCRA. Your organization makes the hiring decision.

  • Consent before every check

    Every check needs a lawful permissible purpose, a standalone disclosure, and the applicant's written authorization.

  • A supported, two-step adverse action

    Pre-adverse notice with the report and a summary of rights, a waiting period, then a final notice. Atlas supports each step.

  • Disputes are reinvestigated

    Applicants may dispute a report; Atlas reinvestigates and corrections reach your dashboard. Email compliance@atlasscreening.com.

  • Sourced with reasonable procedures

    Contents come from third-party and public records. Atlas uses reasonable procedures for accuracy but cannot guarantee every record is current.

Get started today

Screen financial responsibility, compliantly.

Employment-purpose credit with automatic state gating and a defensible audit trail.

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