Ordering DBPR Credit Reports
Good Day, Happy Contractors!
We get a lot of questions on credit reports from folks filling out their applications. Here are a few tips on how credit reports work with your Florida Construction or Electrical Contractor Application.
Choosing to have your reports sent directly to the DBPR:
You should only have your credit reports sent directly to the DBPR if you have already submitted your application and the DBPR has sent you a deficiency letter via email asking for the report(s). The letter will come via email from the DBPR, will have your application number displayed on the subject line, and the initials of the examiner processing your application. If you order the expedited reports to be sent to the DBPR and there is no application number for us to reference, then your credit reports will be placed in an “undetermined file” at the DBPR, which is the equivalent of the Bermuda Triangle. So, submit credit reports WITH your licensure application, unless you have a deficiency letter.
If you have a deficiency letter, we can fax & mail your credit report to the DBPR for you, but we require a copy of your deficiency letter or provide us with your application number so that we can give the DBPR the information they need to scan your credit report into the correct application file. If you order the expedited report, License Exam Services will both fax AND mail the report to the DBPR on your behalf.
If your business is brand new, you still need a business credit report:
If your business is brand new, you still need to have a business credit on the new business. It is a statutory requirement; the Public Records statement must be on file with your application. If you are applying to qualify a brand new business entity, save yourself a lot of time by submitting the business credit report for your new business; not doing so will result in an application deficiency, costing you time getting your new business off the ground.
If your credit report shows public records:
If your personal or business credit report shows public records (i.e. a lien, a judgment, a bankruptcy), then you MUST supply documentation on the status of that public record, disclose the public record in the “Background Questions” section of the application, and provide an explanation and/or status of the public record.
We hope this information helps you avoid any costly time mistakes with your application process. While we are not in the business of giving out free advice, we can consult with you if you order our “Pre-license Consultation” https://www.needfloridalicense.com/shop/pre-license-consultation/ where you can tell us your goals and we can get you started on what application you need, necessary documentation, any steps you need to take ahead of time, and basically answer all those questions you have in your head that you aren’t finding the answers to on the DBPR website.
