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      October 14, 2019

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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.

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It's easy to change your PS4 background to a custom image using a USB drive. Here's everything you need to know to do it.

Published:  Fri, 11 Oct 2019 14:22:00 GMT



XFL draft will include players you know: most potential picks have NFL background

XFL Commissioner Oliver Luck expects that the fledgling professional football league's inaugural draft on Tuesday and Wednesday will be marked by a lot of fans around saying, "Oh, I remember that guy.

Published:  Fri, 11 Oct 2019 12:46:00 GMT



Al Michaels brought Bay Area background to 1989 earthquake coverage

Al Michaels was no typical national broadcaster, swooping in for a big-time event with little local knowledge or connection. Michaels had fresh Bay Area history in his tool bag - and that mattered on ...

Published:  Sat, 12 Oct 2019 04:15:00 GMT



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Published:  Fri, 11 Oct 2019 15:45:00 GMT



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Even before the mass shooting in Odessa, Texas' two highest elected officials knew about a dangerous background check loophole in stranger-to-stranger gun sales. Gun reform advocate Ed Scruggs ...

Published:  Wed, 09 Oct 2019 01:19:00 GMT



Justice Department slow to answer Congress on gun background checks

House lawmakers are still waiting for Attorney General William Barr to answer written questions after he misstated key data about gun background checks during testimony in April. The questions revolve ...

Published:  Thu, 10 Oct 2019 07:00:00 GMT



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U.S. Sen. Richard Blumenthal is pressing Uber and Lyft to institute more stringent policies to protect riders against sexual assault and harassment, including instituting fingerprint-based background ...

Published:  Sun, 13 Oct 2019 07:17:00 GMT



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Published:  Fri, 11 Oct 2019 21:08:00 GMT



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