CIN Legal Data Services and what a credit report puts into Best Case
Short answer
CIN Legal Data Services is the credit-data business inside Stretto, the company that owns Best Case. It supplies the tri-bureau credit reports bankruptcy firms import into their petition software, and Jubilee resells its data too. Stretto says the import saves an average of 60 minutes of data entry per case. It fills the creditor schedules only, and it misses debts that never reached a credit bureau.
Most consumer bankruptcy firms pull a credit report on every case, and most of them buy it, directly or inside their petition software, from CIN Legal Data Services. This page explains what CIN is, how its reports reach Best Case and Jubilee, what an import fills in, and what it leaves for the intake to supply. We publish Casewell, which works from the intake side, so treat our framing accordingly and check vendor facts at the linked sources.
What is CIN Legal Data Services?
CIN Legal Data Services is the bankruptcy credit-report business that came to Stretto when it acquired CINgroup in 2019, in the same deal that brought Best Case and CINcompass under one owner. Firms order reports through it and log in at cinlegal.creditinfonet.com, a Stretto-branded portal. A credit report pulled for a bankruptcy case is a consumer report under the Fair Credit Reporting Act, so the firm should have a permissible purpose and the client’s written authorization on file.
How do credit reports get into bankruptcy software?
| Petition or intake software | Credit report route | Source |
|---|---|---|
| Best Case | Built-in access to the three primary credit bureaus, with report data imported into the forms and schedules | Stretto’s Best Case page |
| Jubilee Pro | Jubilee Credit Services, where the client orders the report and the data imports into the case; LegalPRO also publishes how-to material for ordering and importing a CIN report | jubileepro.com |
| BK Questionnaire | Auto-imported credit reports at $15.99 per debtor on every plan | BK Questionnaire pricing |
| Casewell | No credit pull. Reads creditors from the completed intake packet and any statements, bills, collection letters or printed credit report included with it | This product |
How much time does a credit report import save?
Stretto’s figure is that bankruptcy attorneys “save 60 minutes of data entry per case” by importing credit report data directly into the forms and schedules. That is the vendor’s own claim rather than an independent measurement, but it is a useful number because of what it covers. The import fills creditors on Schedule D and Schedule E/F: names, notice addresses, account numbers and balances. If automating one part of the creditor schedules is worth an hour by the incumbent’s own accounting, the rest of the petition, property, income, expenses, household and financial affairs, is worth more. That is the subject of how long petition preparation actually takes.
What does a credit report miss?
Anything a creditor never reported to a bureau, which in consumer bankruptcy is a lot. The schedules have to list every creditor, and a creditor left off the list gets no notice of the case, which causes problems the firm then has to fix by amendment. A credit report is the start of the creditor list, not the end of it.
- Medical bills that have not been sent to collections, or that the bureaus no longer show.
- Money owed to family, friends or a former landlord. Personal loans and back rent rarely appear on a report.
- Utilities, phone and internet balances that were never reported.
- Tax debts and domestic support, which belong on Schedule E/F as priority claims and come from the client and the agencies.
- Lawsuits, judgments and garnishments, which also belong in the Statement of Financial Affairs.
- Recent debts that have not yet reached a report, and old ones that have dropped off.
Reports also arrive with their own clean-up work. The same debt often appears twice, under the original creditor and a collection agency, and reported balances can be weeks old. Someone at the firm still compares the report against what the client wrote and brought in.
Where does Casewell fit alongside a credit report?
On the other side of the comparison. Casewell does not pull credit. It reads what the client hands in: the completed intake packet, handwritten or typed, and every statement, medical bill, collection letter or printed credit report the client included with it. Creditors are collected from both the form’s own creditor sections and those supporting documents, using the correspondence address rather than the payment stub, the full balance rather than the minimum due, and one entry per account even when the client copied three months of statements.
Staff confirm any field the independent reads disagreed on, and Casewell exports a Best Case .BCB client file covering the rest of the petition as well, from property to income and expenses. A firm can still run its usual credit pull in Best Case afterwards and reconcile the two creditor lists in its normal review. Casewell is free during the current beta. See getting client data into Best Case for every route into the software.
Who owns CIN Legal Data Services?
Stretto, which acquired CINgroup in 2019. The same company owns Best Case and CINcompass, and Jubilee by LegalPRO Systems resells CIN credit data as well.
How much does a CIN credit report cost?
CIN does not publish a per-report price on its public pages. Pricing is set in the firm’s account or through its petition software, so ask Stretto or your software vendor for the current rate.
Which schedules does a credit report import fill?
The creditor schedules, Schedule D for secured debts and Schedule E/F for priority and unsecured debts. Property, income, expenses and the Statement of Financial Affairs come from the client.
How do I log in to CIN Legal Data Services?
Through the Stretto-branded CIN Legal portal at cinlegal.creditinfonet.com, or from inside your petition software if it orders reports for you.
Can Casewell read a credit report?
When a printed credit report is part of the uploaded intake packet, Casewell reads creditors from it along with the client’s statements and bills, and merges duplicates. It does not order credit reports.
Best Case and Stretto are trademarks of their respective owners. Casewell is an independent product and is not affiliated with, sponsored by, or endorsed by Best Case, Stretto, or any of their affiliates. References to Best Case and Stretto describe compatibility only and are nominative (descriptive) use.
This page is general information for law-firm staff, not legal advice for any particular case.