Consumer history background check

Background Research offers a wide range of information solutions ideal to meet a number of needs. From looking into the next door neighbor to finding out about ourselves to determine if there's something to be concerned about. The background check data sources are known leaders for public records, criminal investigations, cell phone and address reports, social websites information, plus more. The goal is to enable the public with the information they want to make fast & intelligent conclusions.

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There are several important consumer reports that many people may not realize exist — from your medical history report and insurance records to your bank history and tenant records. Banks, employers, landlords, insurance companies, lenders, utility companies, and other businesses purchase consumer reports to screen applicants. The information in your reports could impact their decision to offer you a loan, employment, or other type of contract. It’s also used to determine the terms of the arrangement, such as the interest rate on a loan or security deposit on a rental. If you’re worried something on your consumer reports might blow your chances of qualifying for a job, a loan, or even housing, it is possible to check your credit and consumer reports before sending in an application. Catch them early enough and you have you a chance to dispute any mistakes.

https://www.wtsp.com/article/money/magnify-money/how-to-do-a-financial-background-check-on-yourself/406454310

The FCRA applies anytime an employer obtains a background check for employment purposes from a third party. These reports could include criminal history, employment and education verifications, motor vehicle reports, health care sanctions and professional licenses. It is important to note that while the word “credit” appears in the name of the law, it applies to background reports regardless of whether or not the report includes credit information.

https://www.ebiinc.com/resources/blog/fcra-compliance

Recently, there have been increased enforcement actions, scrutiny and lawsuits brought by the Equal Employment Opportunity Commission (EEOC) challenging the use of credit and criminal history background checks. In addition, there has been an increase in lawsuits surrounding the Fair Credit Reporting Act (FCRA), including costly challenges related to obtaining proper consent to conduct such checks. There have also been "ban the box" initiatives at the state level that restrict whether an employer can ask about prior convictions. And, some states and municipalities even restrict an employer's use of credit reports. With so many rules and regulations, in addition to recent changes to the FCRA, here is some guidance on how to interpret it all.

https://www.crainscleveland.com/article/20130625/BLOGS05/306259999/employers-make-sure-your-background-and-credit-check-processes

Employee background checks are an effective way for an employer to learn more about a job applicant. Inquiring about a person’s education, general work history, criminal records, credit history and references may be important, but obtaining such information could lead to serious legal issues. There are, however, ways to avoid trouble with the law and get the necessary information. Employers often want to obtain consumer reports about potential employees’ credit, financial history, education and general background information. Because many of these areas of inquiry fall under the Fair Credit Reporting Act (FCRA), it’s important for employers to inform applicants what type of information they are going to seek and then get written permission from the applicant before obtaining it. Also, under FCRA, the applicants must be provided with a summary of their rights.