Free background checks are something that you can do but they may well draw up a blank. Official researchers will give you the most information
In the US an employment background check will include a criminal history background check. This will include county, state and federal records for any crimes, felonies or misdemeanors. It will also look at the sex offenders register and the Department of Motor Vehicles records.
Consumer reporting agencies are regulated by the Federal Fair Credit Reporting Act (FCRA).
The mantra that they work by is that they can use reasonable procedures to ensure maximum accuracy when producing reports on individuals.
Unfortunately, some cases of mistaken identity have occurred in the past and this has forced the FCRA to introduce tougher stringency to avoid this. This can cause serious problems for the misidentified individual including great financial issues. Some of this has been brought about by rules laid down by the US court system which tried to keep the information out of the public domain to protect innocent parties. This creates challenges when you are trying to trace someone for positive purposes.
When a case of mistaken identity does occur and thus the report that is produced is inaccurate; then the FCRA ask that there is a process in place set down in the company’s policies and procedures of how an individual makes a form complaint and dispute confirming that this is not them. This then requires the agency to investigate the dispute in a timely manner.
When you apply for a job your new employer might also need to check your credit history, this can depend what type of job you are applying for. Your purchases and debt history can divulge a lot about your character, decision making skills and responsibility and reliability.
The check will verify your Social Security Number and will also check the year of insurance which in most cases will check part of the birth date. A credit score will check your ability to manage money by highlighting any debts you have had or any occasions of bankruptcy. It might also disclose some of your purchase history. Overall it will give an indication of your ability to handle credit including paying back your loans on time. A background checking company can take this further and will look for shifts in credit or unusual occurrences. This information will need you to agree that they can obtain it, but to not let them almost shows that you have something to hide.
A company or private investigator is also able to compile a list of anything that you own or have owned, this can be business any property whether owned or co-owned and any other asset such as cars, expensive items or artefacts and so on. A good background check should also list an estimated value of the items as well as any taxes paid and any official registration information that was required to get these items. It should include the dates owned and when they were sold, if they were sold and to whom.