Ordering a credit report on your applicant accomplishes two tasks:
1) It verifies the identity of the applicant as they have to pass Experian's protocol, thus omitting the need for collecting any personal identification (Drivers License, ID, or Passport).
2) It provides you with the full credit report of the applicant's credit history with a Vantage 3.0 score.
The credit report provided by Experian can confirm if your applicant has an SSN match in Experian's database.
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