You can now run credit checks for candidates based in the United States. This check uses data from Equifax and must be enabled by your Zinc account manager.

What you need to know

• This feature is opt-in. Nothing will change unless you ask your account manager to enable it.

• Before enabling the check, we’ll confirm that:

  • You’re hiring candidates with a current address in the U.S.
  • You have a legitimate business reason for running credit checks (for example, financial responsibility roles or due diligence requirements)

If either of these conditions isn’t met, the check won’t be enabled.

What’s new

Once enabled, the US credit check includes data from the Equifax Credit Bureau, with nationwide record verification for citizens and lawfully residing foreign nationals aged 17/18+ with credit activity.

Results may include:

• Insolvency and bankruptcy records - provides a comprehensive view of financial distress, including insolvency filings, bankruptcy registers, debt-related legal actions, and relevant court or official gazette records. (coverage up to 10 years, depending on bankruptcy type)
• Bad payment history – Provides a comprehensive consumer credit assessment, identifying adverse payment behaviour across banks, utilities, telecoms, landlords, collection agencies, retailers, and credit card providers, where legally permissible. Results include current financial status, payment defaults, credit accounts, loans and credit cards. (coverage up to 7 years)

The check leaves a soft footprint, meaning it does not affect the candidate’s credit score or creditworthiness.