Financial Screening
Uncover Financial Red Flags Before They Become Your Problem
deepidv's financial screening searches court records and public databases to uncover bankruptcies, judgments, liens, and financial legal actions that indicate serious money problems.
All
Court Records
24-48
Hour Turnaround
FCRA
Compliant
What We Uncover
Complete financial risk assessment from court records and public databases
Bankruptcy Records
Federal bankruptcy filings including Chapter 7 liquidations, Chapter 11 reorganizations, Chapter 13 repayment plans, and discharge dates. Know if candidates or applicants have recent bankruptcy history indicating financial distress.
Civil Judgments
Court judgments for unpaid debts, breach of contract, property disputes, and civil lawsuits. Reveals patterns of not paying obligations and legal financial troubles.
Tax Liens
Federal and state tax liens showing unpaid taxes, IRS liens, and state revenue department actions. Tax liens indicate serious financial problems and potential government enforcement actions.
Foreclosures
Residential and commercial foreclosure actions, trustee sales, and mortgage default records. Shows inability to maintain property payments and potential housing instability.
Legal Judgments & Settlements
Financial judgments from creditors, collection agencies, and civil lawsuit settlements. Reveals ongoing financial disputes and unpaid obligations.
UCC Filings
Uniform Commercial Code filings showing secured interests in business assets, equipment financing, and collateral pledges. Essential for B2B credit decisions and business partner evaluation.
Financial Screening Process
Comprehensive court record search and compilation
Submit Screening Request
Provide subject name, location, and screening purpose
Search Court & Public Records
Query federal bankruptcy courts, state/county civil courts, and tax lien databases
Compile Financial Data
Gather bankruptcies, judgments, liens, foreclosures, and UCC filings
Deliver Risk Report
Complete report with filing dates, amounts, status, and case numbers
Why deepidv Financial Screening
Federal & State Court Access
- Federal bankruptcy courts
- State and county civil courts
- Tax lien, foreclosure, and UCC filing databases
Fast Turnaround
- Results typically return within 24-48 hours
- Depends on jurisdiction complexity
- Quick decisions for hiring, lending, and leasing
Clear Financial Context
- Filing dates and amounts clearly identified
- Current status of every financial action
- Relevant court case numbers included
FCRA Compliant
- All searches comply with Fair Credit Reporting Act
- Required disclosure documents provided
- Adverse action guidance for employment and lending
Court Records Accuracy
- Direct access to official court records
- Ensures accuracy and completeness
- Avoids incomplete third-party databases
Credit + Financial Screening
- Works powerfully alongside credit checks
- Credit shows payment history
- Financial screening shows legal actions and judgments
Use Cases by Industry
Financial screening is essential across lending, hiring, and leasing
Tenant Screening
Landlords need to know if applicants have eviction judgments, unpaid rent judgments, or bankruptcy filings that indicate rental payment risk. Credit scores don't show court-ordered financial judgments.
Hiring for Financial Positions
Employees handling money, financial data, or signing authority need clean financial backgrounds. Bankruptcies and judgments can indicate desperation that increases embezzlement risk.
Business Credit Decisions
Before extending B2B credit, know if your customer has judgments, liens, or bankruptcy history. UCC filings reveal existing secured creditors who get paid before you in bankruptcy.
Vendor & Supplier Due Diligence
Critical vendors with financial instability can disrupt your supply chain. Bankruptcies, judgments, and liens reveal financial distress before vendors fail to deliver.
Executive & Leadership Screening
C-suite candidates with undisclosed bankruptcies or financial judgments pose reputational and fiduciary risks. Financial screening protects your board and shareholders.
Loan Underwriting Enhancement
Credit reports show payment history. Financial screening shows legal financial actions, judgments, and court-ordered obligations that indicate serious payment risk beyond credit scores.
Types of Bankruptcy Filings
Different bankruptcy chapters reveal different financial situations
Chapter 7 Liquidation
Personal or business asset liquidation to pay creditors. Indicates complete financial failure and fresh start attempt.
Chapter 11 Reorganization
Business debt reorganization while continuing operations. Shows business struggles but intent to continue under court supervision.
Chapter 13 Repayment Plan
Individual debt restructuring with 3-5 year repayment plans. Shows intent to repay but inability to meet original obligations.
Discharge Status
Confirmation of bankruptcy discharge and fresh start status. Know when bankruptcy legal obligations ended and credit recovery timeline.
Timeline Tracking
Filing dates, completion dates, and discharge dates tracked. Understand bankruptcy progression and current recovery status.
Debt Amounts
Original debt amounts, amounts discharged, and repayment status. Context for understanding financial crisis severity.
Choose Your Financial Assessment Approach
Credit Reports vs Financial Screening
Different tools for different parts of financial risk assessment
Credit Reports
- Payment history and patterns
- Credit score calculations
- Open and closed accounts
- Credit utilization
- Inquiries and new credit
- Good for ongoing credit behavior
Financial Screening
- Bankruptcy filings and status
- Court judgments and settlements
- Tax liens and IRS actions
- Foreclosures and defaults
- UCC business filings
- Good for legal financial red flags
Combine Credit Checks & Financial Screening
Together they provide complete financial stability assessment
Payment Behavior
Credit reports show how applicants have paid debts historically. Financial screening shows when they failed to pay and faced legal action.
Legal Financial Problems
Credit scores don't reflect bankruptcies, judgments, or liens the same way they appear in court records. Financial screening shows the complete legal picture.
Holistic Risk Assessment
Combine payment patterns with legal actions for complete financial stability assessment. Missing either leaves gaps in your risk evaluation.
Federal & State Court Record Coverage
Financial screening searches federal bankruptcy courts, state and county civil courts, tax lien databases, foreclosure records, and UCC filing systems. Comprehensive coverage across all major financial legal action databases.
Federal Bankruptcy Courts
Federal bankruptcy court filings
State & County Civil Courts
State and county civil court judgments
Tax Lien Databases
Federal and state tax lien databases
Foreclosure Records
Foreclosure and mortgage default records
UCC Filings
UCC financing statements
Collection Judgments
Collection agency and creditor judgments
Case Numbers & Dates
Court case numbers and filing dates
Status & Discharge Info
Current status and discharge information
Financial Screening in Your Processes
Seamlessly add financial screening to existing decision workflows
Tenant Screening Workflows
Add financial screening to tenant applications alongside credit checks and background checks. Identify eviction risk and payment reliability.
Hiring for Financial Roles
Screen candidates in financial positions. Identify financial desperation that increases embezzlement or fraud risk. Regulatory compliance for financial institutions.
Credit Decision Support
Enhance credit decisions with financial screening. Understand legal financial actions and court judgments that indicate payment risk.
Trusted & Certified
SOC 2 Type II
Audited security controls for data protection
GDPR Compliant
Full compliance with EU data privacy regulations
ISO 27001
International standard for information security
DIACC Member
Digital ID & Authentication Council of Canada
Ship Verification in Hours, Not Weeks
Our SDK gives you pre-built UI components, server-side libraries, and a sandbox environment so you can go from zero to live verification in a single sprint.
import { DeepIDV } from '@deepidv/sdk';
const client = new DeepIDV({
apiKey: process.env.DEEPIDV_API_KEY,
});
const verification = await client.verify({
type: 'identity',
checks: ['id-document', 'liveness', 'face-match'],
webhookUrl: 'https://yourapp.com/webhooks',
});
// verification.url → send to your user
// verification.id → track the sessionClient SDKs
Native SDKs for iOS, Android, and Web with drop-in UI components for ID capture, liveness, and document upload.
Server SDKs
Node.js, Python, and Go libraries to manage verifications, retrieve results, and configure workflows programmatically.
Sandbox Environment
Full-featured test environment with simulated ID documents, mock biometrics, and instant webhook delivery for rapid development.
Modular Architecture
Pick only the modules you need — ID verification, liveness, e-signatures, document management — and compose custom flows.
Experience the Difference
See how deepidv financial screening can protect your decisions — it takes 60 seconds.
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Frequently asked questions
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