Credit
In the catalogConsumer credit through the bureaus and aggregators. Experian, Equifax, and alternative files where they fit. Each bureau is its own product, because a dispute has to go back to the same source.
Background screening platform
BGScreen is a unified API for credit, criminal, housing court records, driving records, identity, and verifications. You place one order. We talk to many gateways. When your clients need a branded portal, we white-label it. When you already hold bureau logins, you bring them.
Orders / ORD-1842
Northside Holdings · placed 11:42
County court is still out. Credit and national criminal are already delivered. The gap is named, so a missing search cannot read as a clean result.
Catalog
Packages are how a customer who does not want to think about vendors gets a tenant screen. Underneath, each component is a named product at a named gateway, because a dispute is meaningless against a different one.
Consumer credit through the bureaus and aggregators. Experian, Equifax, and alternative files where they fit. Each bureau is its own product, because a dispute has to go back to the same source.
National database searches when you need breadth. County and federal court when you need the primary source. A clean result is still a finished search, and it is billed as one.
Landlord-tenant filings and what the court actually did with them. A filing is not a judgment. We do not sell a category called eviction.
Motor vehicle records from a state DMV, sold as its own product rather than folded into a vague "background check."
Names and addresses tied to a Social Security number, used to scope the rest of the screen. It is a search, not a people-lookup product.
Employment and education, confirmed with the source. These take days, not seconds. The order stays open until the researcher finishes.
Credit and verification are in the catalog today. Criminal, housing court, driving records, and identity search follow on the same platform.
How you buy
White-label is applicant intake, a portal, and branded reports in your name. You still buy products or the platform underneath. It is not a fourth SKU.
Buy the searches. A credit file, a county criminal, an employment verification. If you sell a tenant screen or a pre-employment screen, make that a package so your people order the screen, not a vendor acronym.
Spokane County criminal and housing court records, from us, sold like any other source. Later counties the same way. We are a vendor on this platform, not a special case.
You already got credentialed. Keep it. We run ordering, results, the audit trail, and the client-facing pieces. Bureau passwords stay yours. They do not live on the key your software uses to talk to us.
The order
01
You send the person and what to run, and you name the legal reason. Calling from software? We open the file, attach the people, and place the order in one shot, so consent and disputes still have a person to hang off.
02
Credit often comes back while you are still on the line. County court and verifications do not. Those sit with a vendor, sometimes a person at a courthouse, for hours or days. "No record found" is a completed, billable answer, not a failure.
03
If one source is down, we send the rest and we name the gap. We do not hold the whole file hostage, and we do not pretend a missing search was a clean result. We also do not quietly pull the same kind of search from somebody else.
If we turn the order down before it leaves, we do not call anyone and we do not charge you. If the vendor was called, there is a record. By then it is evidence.
Origin
Twenty years of CRA systems, applicant flows, and vendor integrations. The first system was Delphi. We have rebuilt how we talk to the vendors four times. Bureaus change their APIs. Court runners do not. A CRA cannot live on a folder of scripts.
Hundreds of vendor integrations over those twenty years. TransUnion, Experian, Equifax, LexisNexis, MicroBilt, backgroundchecks.com, IDS, CIC, Tracers, SJV, CoreLogic, Yardi, and the rest of the list this industry actually uses. We have wired it. We are not going to hang a fake logo count on this page.
We are a TransUnion Developer Partner. ShareAble already runs in production screening systems we maintain. BGScreen is the current generation from the same people. Tell us which sources you need on it.
FCRA
This is FCRA work. Every pull names a permissible purpose. Applicant files are isolated per customer. Names, dates of birth, and Social Security numbers are sealed. Every vendor call is written once when it ends, and that row is also the bill. If the invoice and the file ever disagree, only one of those is admissible, so we made them the same document.
We do not replace your CRA. If you are a CRA, this is the operations layer. If you build property or HR software, this is how your product places screens without standing up a bureau shop of your own.
Security posture · REST at api.bgscreen.io, OAuth client credentials. Operators who live in a terminal can use bg.
Spokane
Call or write. A person in Spokane replies. No mailer, no drip. This is for buyers and operators. It is not applicant intake and not a request for a consumer report.
hello@limelyte.com
+1 (509) 241-0138
28 W 3rd Ave, Suite 100
Spokane, WA 99201