Chicago’s debt check process is built on outdated data, disconnected software systems, and manual processes that lead to errors. Unlike every other major city, Chicago requires debt checks before issuing permits, business licenses, or city contracts, applying them not only to applicants but also to property owners. Small debts and mistakes cause delays, which negatively impacts the small business community and property owners, stalls construction, and stymies the economic development Chicago needs. Modernizing the debt check process will cut red tape, reduce errors, and enhance revenue collection – clearing the way for stronger economic development, business expansion, and job growth across the city.