Credit checks
What's included
Roomies has partnered with Certn to perform the individual credit checks. The reports are powered by Equifax, one of the three largest credit bureaus.
The credit report includes the following types of information:
- Identifying information - Your name, address, and date of birth
- Credit account information - Credit card, mortgage, student loans, vehicle loan
- Inquiry information - "Soft" inquiry
- Bankruptcies - Information about bankruptcy public records
- Collections accounts - Past due accounts that have been turned over to a collection agency
- Any notable risk factors
How it works
Begin the application process
Certn will collect some personal information including most recent address and SSN. These are only used for the purposes of completing the check.
Verification completed
Certn generally processes the credit check within 24 hours. Once the result comes back a verification tick will be applied to the Roomies account.
Download and share your check
You can save a copy of your completed credit check to use how you please, or share it with other users on Roomies. Certn keeps the report for three years, after which it is deleted and we remove the check and its verification from your account.
Other verification options
Phone verification
Verify your cell phone number.
- Increases the number of phone numbers you can view
- Generally instant
ID verification
Verify your identity with a government-issued ID and a selfie.
- Use a driver's licence, passport or ID card
- Generally instant
Background check
Perform a basic or premium background check.
- Powered by Certn
- National databases and watchlists
- Criminal records and history
- Generally complete within 5-7 business days
Frequently asked questions
How do Roomies and their partners handle personal data?
Here at Roomies we take our user's privacy seriously. We do not sell user data, and we believe in full transparency regarding our policies as well as our partners' policies. When you purchase an ID check, credit check or background check with us, this information is not saved on our platform, and we do not handle your sensitive information on our own servers.
Our partners at Stripe and Certn.co provide the technology we use to process your information. Stripe, the provider of our ID checks, has a robust privacy policy. Your background and credit checks are run by Certn, which also has an extensive privacy policy.
These partnerships do not automatically opt you in for additional marketing and your private information will be safeguarded according to their individual company policies. If you would like more information about how we handle your data, read the Roomies privacy policy.
If you have any additional concerns or questions regarding these policies please don't hesitate to reach out to us, our support team is always happy to help.
How long is my background or credit check available for?
Certn, who run our background and credit checks, keep a completed report for three years. After that the report is deleted and can no longer be downloaded or shared, so we remove the check from your Roomies account at the same time. The verification on your account is removed with it.
We'll email you 30 days beforehand so you have time to download a copy for your own records, or purchase a new check if you would like to stay verified.
Which documents are not supported for verification checks?
Expired driver's licence, ID cards, and passports cannot be verified. Ensure that your documents are not expired for both the ID and criminal checks.