Finding the right background check can feel overwhelming. With so many options and considerations, knowing where to start is crucial. This guide breaks down the process, helping you understand the types of checks, how to obtain them, and what to expect.
Understanding Background Checks
Before diving in, let's clarify what a background check entails. Essentially, it's an investigation into an individual's history, typically revealing information like:
- Criminal Records: This includes felony and misdemeanor convictions, arrests, and pending charges. The depth of this search varies depending on the type of check.
- Education Verification: Confirmation of degrees, diplomas, and certifications obtained from educational institutions.
- Employment History: Verification of past employment, including dates of employment, job titles, and responsibilities. This often involves contacting previous employers.
- Credit History: A review of an individual's creditworthiness, including credit scores, payment history, and outstanding debts. This requires separate authorization.
- Driving Records: Information on driving history, including accidents, violations, and license suspensions.
Types of Background Checks
Several types of background checks cater to different needs:
1. National Background Checks:
These checks cast a wide net, searching databases across the entire country. They are often more comprehensive than state-specific checks. National background checks are commonly used for employment purposes and tenant screenings.
2. State-Specific Background Checks:
These searches focus solely on records within a particular state. They are typically less expensive than national checks but provide less comprehensive information. Use state-specific checks if you need information specific to a certain location.
3. County-Level Background Checks:
These checks are the most localized, searching only within a specific county. They are the least expensive but offer the least amount of information. County-level checks are generally only necessary for very specific needs.
4. Consumer Reporting Agencies:
Companies like Equifax, Experian, and TransUnion specialize in credit reports. However, obtaining a credit report requires explicit consent from the individual. These reports are vital for lenders and landlords.
How to Get a Background Check
The process depends on the type of check and your purpose. Here's a general outline:
1. Determine Your Needs:
Before starting, clearly define why you need a background check. This helps determine the appropriate type of check and the information you need.
2. Choose a Reputable Provider:
Many companies offer background checks. Research and choose a reputable provider with positive reviews. Consider factors like cost, turnaround time, and the comprehensiveness of their reports.
3. Gather Necessary Information:
You'll typically need the individual's full name, date of birth, and Social Security number (with their consent). Always obtain explicit consent before running a background check, especially for consumer reports.
4. Complete the Application:
Fill out the application form accurately and completely. Provide all required information and consent forms.
5. Review the Report:
Once the report is generated, carefully review it for accuracy and completeness. Note that inaccuracies can occur, and you may need to request corrections.
Important Legal Considerations:
- FCRA Compliance: The Fair Credit Reporting Act (FCRA) regulates the use of consumer reports. Ensure your chosen provider is FCRA compliant.
- Consent: Always obtain informed consent before running a background check on an individual.
- Privacy: Handle background check information responsibly and securely. Protect the privacy of the individuals involved.
Conclusion
Getting a background check doesn't have to be daunting. By understanding the different types of checks, choosing a reliable provider, and adhering to legal requirements, you can navigate the process efficiently and obtain the information you need. Remember to always prioritize privacy and respect the rights of the individual being checked.
