Identity verification

4check checks how reliable the person is, how they meet their financial obligations and the quality of the address they live at.

Enter the details of the person you want to check in the form. Then pay by card. Within a minute you will receive a clear result, which you can save, print or send by e-mail. You will also find the results saved in your account.

Here is an example:

Look at the list of functions above. When you move your cursor over each of the functions a more detailed explanation appears. 4Check currently works with 11 primary and 29 secondary data sources in the Czech Republic, on which it carries out its own analysis and machine learning.

4check has two versions: in the basic version we only check information that the person being checked does not have to agree to. Therefore they don’t need to know about the check and do not even find out. In the 4check+ variant we check details that the person must agree to: we send them an SMS and an e-mail and wait for their consent.

You can use the basic 4check version, which doesn’t require the person’s consent. You can also convince them that it is in their interest - that if they don’t give their consent, it could look as if there is some kind of problem. Everyone has their right to privacy however, so it’s not fair to pressurise them. Naturally under no circumstances do we carry out 4check+ without the person’s consent.

We in 4.house personally wouldn’t rent a flat to someone with two stars or less. And we also wouldn’t regard them as sufficiently reliable for discussing purchase of a property. By contrast 4 stars or more indicates a reliable person. With other signs it’s good to combine your own experience and common sense: for instance if the person lives in a ‘worse’ area it doesn’t necessarily mean a lower score, in fact it can mean the opposite: that they’re a frugal person who doesn’t waste money.

Most rival companies’ credit scoring method primarily checks execution or insolvency, which is public information that can be checked by anyone. However, 4check contains information that you will not obtain elsewhere, for instance payment behaviour and risk of old or new debts. 4check also checks and analyses private information (only with the individual’s consent of course) and also gives you detailed information about their current residence.

E-mail is a very important piece of information for checking. People use it widely for communication and registration, far more than for instance their personal identification number, and therefore leave a digital trace. The more information you enter, the better the information you receive.

We cannot do anything with the person’s information, because we don’t have their consent. We therefore don’t send any commercial or other communication to them, or use this information in any other way. Its only usage is for carrying out the 4check service.

Yes, it is completely legal. In the USA applications for credit scoring regularly appear in the top 5 most-downloaded applications. In China a ‘public credit scoring’ is gradually being applied, which people on the whole greatly praise, because it has simplified market orientation.

Of course. It is a good idea to make sure that everything is ok- that you have good results, no execution etc. People often aren’t even aware of smaller executions.

When it comes to unambiguous information from registries, such as execution, we recommend immediately consulting the Central register of executions and resolving it: you are in danger of having your property repossessed, fines and various other expenses. That also applies for instance to current debts: we recommend actively resolving them with the creditor. When it comes to ‘soft’ information, for instance payment behaviour, think whether you’ve ever left any debts anywhere, paid an instalment or invoice late, or forgot to settle the final invoice. Again we recommend sorting this out, otherwise you can have long-term problems with for instance obtaining a loan.

Above all, check that you have entered the correct information and haven’t for instance mistyped anything. A large range of results come from state registers (for instance the insolvency register or execution register). In these registers you unfortunately can really find two people with the same name and same date of birth (it’s exceptional, but it does actually happen). Again, we recommend resolving this with the specific register, or verifying it with the person being checked.

Entries about the commencement, halting and deferral of executions are made within 3 days of the executor recording them in the register. Entries of other information are made within 5 working days. A delay of several days may arise from the executor. Information in the insolvency register is published almost immediately after the insolvency court begins proceedings.

The executor is obliged to delete information about executions within 15 days of the insolvency proceedings ending (when the debt is paid). Information about insolvency proceedings is kept in the register for 5 years after they end (after the decision to end insolvency proceedings acquires legal force).