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      August 19, 2019

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TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

How Background Checks Protect the Individual

In todayís digital world Ė where information often is at the tip of our fingers in an instant Ė conducting a background check on an individual has never been easier.

The curious can Google a personís name and find out just about anything there is to know about that person that is part of a public domain. If a more detailed history is desired, there are a number of third-party agencies which will conduct a thorough background check for an agreed-upon fee.

There are three common types of background checks that are conducted:

  • Full Background Check. This is a comprehensive and thorough check, which includes such information as date of birth, marriages/divorces and claims of bankruptcy. It also will contain a criminal conviction history.
  • Criminal Background Check. Less thorough than a full background check, the only information provided in this kind of check is a criminal/conviction history. A number of third-party agencies conduct these checks at prices ranging from $15 to $40. Only criminal convictions will appear in these records. Arrests that did not result in a conviction are not part of public information records.
  • Credit Report Check. Credit checks are the second most popular kind of background check conducted today, especially by employers. Credit checks cannot be conducted without the individualís consent, so any employer or private agency which wishes to conduct such a check on an individualís credit history must first obtain that personís written authorization.

As of January 2013, employers must revise their Summary of Rights forms to comply with the Fair Credit Reporting Act, or FCRA. The act is a federal law which stipulates the guidelines by which employers and other agencies can obtain information about an individualís credit history, personal character, reputation or other consumer-reported data. Employers who fail to comply with the new provisions risk being fined by the Federal Trade Commission, which oversees the administration of FCRA. These rules are designed to protect the individual, who may be subject to a background check which results in false or misleading information which in turn can prevent hiring.

FCRA does not apply to individuals who are conducting a background check on another individual for personal reasons, such as looking into the criminal history of a romantic partner prior to dating. However, any report which reveals damaging information should be verified through a second source. As with other public records, there is always a chance of mistaken identity or other incorrect information being included in a background check.

Sen. Sherrod Brown, during Cleveland rally, calls on U.S. Senate to return to Washington to pass background check legislation

CLEVELAND, Ohio -- Sen. Sherrod Brown, advocates, survivors of gun violence and other officials called on the U.S. Senate Saturday afternoon to pass a bill to expand background checks for gun sales.

Published:  Sat, 17 Aug 2019 15:51:00 GMT



Two Weeks after El Paso, Donald Trump Backs Away From Background Checks

President Donald Trump, who appeared to be considering background checks and other gun policy reform, has backed away from the topic and is now openly discussing "red flag" legislation instead. Red ...

Published:  Fri, 16 Aug 2019 11:43:00 GMT



Aug. 18 Letters: Juvenile court records must be included in background checks

Several mass shootings were committed with a gun purchased with a background check that omitted past information that somehow never made it to the National Instant Criminal Background Check System. Do ...

Published:  Sat, 17 Aug 2019 16:02:00 GMT



Push for 'red flag' laws, background checks gains steam in wake of mass shootings

The push for so-called "red flag" laws and stronger background checks is gaining steam amid apparent support from President Trump and Democrats in Congress in the wake of the two mass shootings in El ...

Published:  Fri, 16 Aug 2019 11:48:00 GMT



Dexter Lawrence wants "multiple Super Bowl wins,' after 2 titles at Clemson: Why his winning background is perfect for rebuilding Giants

Dexter Lawrence displays some of his Clemson jerseys and helmets in his apartment, not far from the Giants' training facility. They serve as constant reminders of his winning background - a 41-3 ...

Published:  Fri, 16 Aug 2019 03:56:00 GMT



IN PERSON: PriceWeber CEO on why his legal background makes sense in marketing (Video)

Davis, now CEO at PriceWeber Marketing Communications Inc., eventually decided to pursue a career in business law, which ultimately led to a fulfilling and varied career path. After graduating from ...

Published:  Fri, 16 Aug 2019 04:00:00 GMT



U.S. Senator Sherrod Brown meets with local supporters to advocate for universal background checks

CLEVELAND -- A crowd of about 150 people carrying signs against military style assault weapons for civilians, gathered at the Cleveland Boys and Girls Club on Saturday. They heard from Ohio ...

Published:  Sat, 17 Aug 2019 18:25:00 GMT



Trump's public mention of background checks is vanishing

WASHINGTON, D.C. - President Donald Trump couldn't stop talking about the importance of strengthening background checks as he addressed reporters last Friday after a week steeped in the aftermath of ...

Published:  Sat, 17 Aug 2019 13:50:00 GMT



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