Credit screenings in Plexflow – Understanding the sources and the limits

Credit screenings in Plexflow aim to offer a clear and reliable view of a candidate’s profile. To achieve this, we use different data sources and validation methods.

🤝 Partner used

Plexflow currently collaborates with Trustii for the completion of credit screenings.

👉 This partner provides access to several types of checks (credit, TAL, etc.).

Note that we do not yet use all of the available modules.

👉 In the near future, we plan to integrate more features in order to enrich the reports and offer even more complete coverage.

🔎 TAL and SOQUIJ, what is the difference?

🏛️ The TAL, our main source

The Tribunal administratif du logement (TAL) section is based on the official plumitif, that is, the tribunal’s complete administrative register.

👉 You will find all files there:

• open or closed
• with or without a reasoned judgment

✔️ It is therefore the most complete source for checking the existence of files linked to a candidate.

📚 SOQUIJ, a useful complement

SOQUIJ publishes only the reasoned judgments rendered by the commissioners.

👉 This represents a more limited portion of the files, because several cases are settled without a detailed judgment.

⚠️ In addition, searches are generally done by name only, without address validation.

There can therefore be cases of people with the same name, which calls for a certain caution in interpreting the results.

🧠 How the check is carried out

To maximize the reliability of the results at the TAL, we use a method based on address cross-checking.

We cross in particular:

• the current and previous addresses declared
• those appearing on the identity document (if available)
• those present in the credit report
• as well as other relevant sources

👉 This approach reduces the risk of error and produces results that are much more precise than a simple search by name.

📌 Fictional example

Let’s take a fictional example for illustration.

A candidate named Jean Tremblay could have a TAL file associated with a former address that does not appear:

• either in their declared addresses
• or on their identity document
• or in their credit report

👉 In that case, even a rigorous search of the plumitif might not bring up this file.

This type of situation remains rare, but it can occur when certain information is not accessible at the time of the check.

➕ The role of the SOQUIJ module

A complementary module based on SOQUIJ lets you run a search by last name and first name.

👉 It can thus bring up certain judgments linked to old addresses or addresses that are not available in the data used for the main search.

It therefore acts as a safety net, without however replacing the TAL check, which remains the main reference.

Updated on: 12/11/2026