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      January 25, 2020

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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.

How to change the WhatsApp background in your chats to a wallpaper, color, or custom photo

You can easily change your WhatsApp background and choose from preloaded wallpapers, colors, or your own photos.

Published:  Thu, 23 Jan 2020 13:40:00 GMT



After Florida teen Sol Pais bought a gun in Colorado, feds audit FBI background check system

The U.S. Department of Justice inspector general is auditing how the FBI ensures states correctly use its background check system for gun purchases after an 18-year-old Florida woman bought a shotgun ...

Published:  Thu, 23 Jan 2020 20:20:00 GMT



"I am a solid no.' Florida GOP chairman shuns bill to expand gun background checks amid conservative backlash

An influential state senator and chairman of Florida's Republican Party says he is a "solid no" on expanding gun background checks as Donald Trump Jr. and other conservatives heap scorn on the state's ...

Published:  Thu, 23 Jan 2020 22:03:00 GMT



Oakland is the first California city to ban criminal background checks on renters

Landlords in Oakland, California, will no longer be allowed to turn away potential renters because of their criminal histories after the City Council passed a new measure it hoped would also tackle ...

Published:  Thu, 23 Jan 2020 08:32:10 GMT



Newsletter: Oakland bans criminal background checks for rental housing

This week, Oakland became the first city in California to prohibit landlords from conducting criminal background checks on potential tenants for most public and private rental housing. Similar but ...

Published:  Thu, 23 Jan 2020 06:03:00 GMT



Oakland bans tenant criminal background checks

The measure prohibits landlords from rejecting a potential tenant because of his or her prior conviction or from requiring disclosure of a criminal history in background checks. Landlords will have ...

Published:  Wed, 22 Jan 2020 16:33:00 GMT



Background location tracking down 68% after iOS 13 launch- 9to5Mac

Apple's decision to be much more proactive in alerting users to background location tracking in iOS 13 has resulted in a 68% drop in the location data collected by apps. The issue has also seen ...

Published:  Fri, 24 Jan 2020 10:26:00 GMT



Background investigations reform shifts focus with backlog down

The Defense Counterintelligence and Security Agency has reduced the background investigation backlog from a high of about 725,000 cases in April 2018 to 231,000, according to leader William Evanina.

Published:  Thu, 23 Jan 2020 13:00:00 GMT



FBI to audit state gun background checks

DENVER - The Department of Justice's inspector general has ordered the FBI to audit some state gun background checks, after an inquiry from five members of Colorado's congressional delegation. U.S.

Published:  Fri, 24 Jan 2020 11:19:48 GMT



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