So what do they investigate exactly? The first thing they look at is your credit history. If the evaluation of your credit history fails to live up to the standards of the company, they stop the evaluation process and change your status application from pending to denied. This is interchangeable with your current job status. They may look at your current job first before going into your credit history. If you have been employed in your current job for less than the prescribed time, the application is denied. These two steps are usually the first to be performed.

Passing these first two steps, the investigation goes a little deeper. They basically perform a background check. No, they do not look for criminal records. What they look for is your employment history. From there, they can determine the average time you spent working for your previous employers and any other miscellaneous information they can gather directly relating to your employment history.

They can and will check your housing history. They will know about previous addresses, past telephone numbers and any unlisted phone numbers that you have or had. Your aliases are also recorded into your file.

Bankruptcies and debts are generally ignored if the bankruptcy is 10 years old or more and debts are 7 years old and up mainly because they disappear from your credit record once they reach the times stated above. If you had any of these before, might as well check first to see if they still exist in your records.

Finally, the only information not available to them is race, age and marital status.

To read more articles by Tony Robinson, check out http://computers-assist.com