Attorneys working out of a residential office space can still access our credit report integration. Please note that Experian will not supply reports to residential offices.
How to get started with Credit Report Integration:
Complete the application located in your Settings Page in the Credit Report Integration section.
After this application is completed, a third-party inspector will be in touch with you to schedule a time for an on-site inspection.
After the inspection is completed and approved, NextChapter will authorize your account to pull credit reports.
More information about the required on-site inspection:
An on-site physical inspection by consumer reporting agencies (“CRAs”) was mandated by the credit bureaus in 2003. This requirement was expanded in 2005 to include all clients, with few exceptions. It formalizes the Fair Credit Reporting Act (“FCRA”) requirement that CRAs make a reasonable effort to verify the identity of the end-user prior to providing the credit report. Although the site visit may seem like an added layer to the onboarding process, it is a practical and necessary layer of security for consumer data.
An on-site inspection is required for residential offices with a one-time fee of $150.
Residential Credit Report Pricing:
Individual Report:
Total Cost: $33.60 before taxes
NextChapter charge: $18.50 before taxes
Xactus charge: $15.10 before taxes (Equifax and TU only)
Joint Report:
Total Cost: $53.95 before taxes
NextChapter charge: $23.75 before taxes
Xactus charge: $30.20 before taxes (Equifax and TU only)