On Site Inspection Reports
Effective November 1, 2006:
If you wish
to have full disclosure to an official credit report.
In order to prevent
unlawful or criminal access to personal credit report information, all of the
federally regulated credit bureaus require a site inspection of your principal
office or residence (if you have a home office) . As an alternative, you may use
our standard tenant screening report to avoid a site inspection. However, if you
wish to have direct access to an applicant's credit in order to make your own
credit decisions the credit bureaus now require without exception a site
inspection in order to protect the public from unscrupulous businesses that
would like to have access to consumer credit reports.
What is a site
inspection? A licensed inspector approved by the bureau will visit your
office or home (wherever you primarily operate) to verify the following:
1. Consumer credit files can be stored
securely in a locked (room, drawer, filing cabinet, safe, etc).
2. you operate in a legal manner and are not
operating an unauthorized business such as a massage service, credit counseling
organization, law enforcement agency, private investigator, tattoo service, bail
bondsman, adult entertainment of any kind, credit repair or reseller, news
agency, journalist or dating service.
Following is a sample inspection report:
1. Did you speak with
the contact person?
No
a. If no, with whom did you speak? Please provide their name and
title. John Doe,
Operations Manager/Property Manager
2. Is the company
located at the exact address provided by the client?
Yes
a. If no, please explain the descrepancy:
3. Type of neighborhood
surrounding the business (check one):
Other
If other please explain:
The neighborhood is mostly
residential with a few commercial buildings
in the area.
4. Status of the
neighborhood? Stable
If other please explain:
5. Does the location
seem appropriate for that particular type of business (e.g. a mortgage
company should have office space available for brokers and loan
processors, and should
be in a location accessible to the public)?
Yes
a. Please provide a brief description:
Office space and equipment was
present as well as
employees.
6. Is the office located
in a house, apartment, mobile home, trailer, other? Please Explain:
No
7. Is the business area
located in any portion of the living quarters (residential locations
only)?
N/A
8. If residential, is
there a separate entrance to the building?
N/A
9. Type of establishment
(check all that apply):
Exclusive Commercial Building
If other please explain:
10. If the customer
shares space or is an Executive Suite, list the names of the other
companies and the services that they provide.
a. Is it separated from other businesses with a lockable door?
N/A
b. What is the relationship between the companies?
11. Leasing company name
and telephone number:
Building is owned.
a. Are there signs in front of the building or in the lobby
referring to the Leasing
Company/Agent?
This company does not lease.
12. Does the facility
appear to be a permanent office location?
Yes
If not, please explain:
13. Obtain website
address of company being inspected:
www.johndoe.com
14. Is the business
license displayed in the office?
Yes
b. If no, explain:
c. If yes, please record: License Number
40699
Expiration Date:
9/30/07
Business License/SIC on License:
Licensing Agency/Phone Number:
City of Miami
15. Is there evidence
that this is an active business?
Yes
a. Are employees present, client files, etc.?
16. Office Observations:
a. Estimated square footage of office space:
1,200 sq. ft.
b. Number of employees observed:
2
c. Number of workstations:
2
d. Office equipment observed: (Check all that apply)
File cabinets/ Customer files
Computers Copier Phones Fax Machine
17. If file cabinets are
present, are there working locks?
Yes
18. Are personal items
on the desks or in the office of the employees (i.e. pictures of family,
degrees/awards on the wall)
Yes
19. Is the location
consistent with the industry type (i.e. Car lot has vehicles for sale)?
Yes
a. If no, please explain:
20. Is there a permanent
(cannot be moved) sign that identifies the company?
Yes
a. If yes, where is it located:
Exterior of building
b. If no, ask "why?":
c. Does the sign reflect the same company name provided by
Global Compliance? Yes
d. If not, what is the exact name appearing on the sign?
21. Are interior and
exterior signs present?
No
Comments:
Exterior sign only
22. What service(s) does
it appear they provide (e.g. is there presence of inventory indicative
of a retailer, do they serve customers or other businesses; is
there presence of equipment
indicative of a leasing company, etc.)?
Rents residential and commercial
properties
a. Ask the question, "What type of services and products are
provided?" Commercial
contractor - owns rental property, both residential and
commercial
23. Is there evidence
that the company is involved in or associated with credit repair, legal
services of any kind, private investigations, consumer debt
counseling, check cashing,
process server, pawn shop, pornograhpy or related business, bail
bonding, credit
reselling/brokering or illegal activity?
No
a. If yes, please explain:
b. Secure copies of any applicable literature
24. SECTION II-
SUSPICIOUS ACTIVITY: Is there evidence of any suspicious activity?
No
a. Please explain:
b. Please note any positive or negative observations related to
security of premises,
workstations, files, etc.:
25. Is the contact too
nice, too angry, evasive, or too inquisitive (attempting to
understand/influence inspection process)? Please explain:
The contact behaved in a
professional manner.
26. Does the contact
have difficulty describing the nature of the business and the company`s
products and services?
No
a. If yes please explain:
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