Credit Reports are important when applicants are to be assigned fiduciary responsibilities, or if they have access to cash, expensive equipment or other people's property. Habits such as living beyond one's means and ownership of large debts with no immediate method of repayment are key indicators of financial irresponsibility that can carry over into the workplace. This report will provide a profile of the subject's financial history for the past seven years. A signed disclosure/authorization by applicant is required. Insight Plus!