help

taktsoi

need help

Arvean

I don't think we can check our background so easily. It's not as popular, and accessible as Credit Check

tech-airman

taktsoi wrote:

Does anybody experience with using background check companies to background check yourself? such as crime, education or employment history to see if those info are corrected and to be corrected as needed?

My friend got screwed and he told me that we should background check ourselves once a while just like your credit check.

taktsoi,

As you may or may not know, there are three Credit Reporting Agencies (CRA): 1) Experian 2) Equifax and 3) TransUnion with a new kid on the block 4) Innovis. Each CRA has different records on you, which is why your FICO score is different for each CRA. There are organizations that obtain credit information from each of the CRAs and consolidates the information into what is known as a "tri-merge" credit report. However, if the second hand "tri-merge" credit report contains errors, you don't send dispute letters as is your right under the Fair Credit Reporting Act (FCRA) to the tri-merge organization but to each individual CRA. However, there are known cases where sometimes the tri-merge organization obtains your credit information from a third-party with errors instead of obtaining the credit report directly from each of the three or four CRA like they're supposed to. Unfortunately, as your friend learned, some of these "consumer reporting agencies" are designed to setup a "guilty unless proven innocent" situation.

So, just like each CRA has different records for you, so do each of the "background information" sources. So just like tri-merge organization #1 may generate one set of information, tri-merge organization #2 might generate a non-identical set of information. Therefore, you'd have to obtain a "background report" from the same organization that your employer or potential employer uses so you can correct the correct organization's records. Unfortunately, you may not get cooperation from your employer or potential employer.

Thanks to the technology of real time data restore or manual data restore, let's say you had a crime that was legally in the courts expunged as in it didn't exist. Welp, thanks to computer system crashes and subsequent restores, your previous "criminal record" may pop up and come back to life because the restorers of the backup didn't go back and re-expunge your criminal record. So, credit repair may be hard, but so is credit maintenance. Credit maintenance, unless all consumer reporting agencies decide to have 100% accurate information as required by the Fair Credit Reporting Act, is a lifelong process after you start repairing. Welcome to the world of data mining and irresponsible consumer reporting agencies.

Kasor

Mostly your finance credit, school and previous employee that you list on references.

If your job required confidential handling material (only for city, state and some position within banking/finance firms) that required fingerprint which run your name/SSN/fingerprint thru the FBI DB to see if you have a criminal record.

That's about it.

If you are talking about Govn't Background check on security clearance, then it is a totally different type of background investigation.

tunneling

that required fingerprint which run your name/SSN/fingerprint thru the FBI DB

The FBI Identification Record, also known as a Criminal History Record or
an FBI background check, is a list containing specific information taken from fingerprint submissions maintained by the FBI because they are related to arrests, naturalization, federal employment, or military service. If during an FBI background check it is revealed that the fingerprints are connected with an arrest, the Identification Record will show the name of the agency which submitted the fingerprints to the Bureau, the date of arrest, the disposition of arrest and the arrest charge. According to the United States Department of Justice Order 556-73, the subject of an FBI background check record is allowed to obtain a copy of their Record for review.

The requests for an FBI background check are processed by the FBI Criminal Justice Information Services (CJIS) Division. As an individual, you may request a copy of your FBI background check record for personal review or if you wish to challenge information on it. You may also need an FBI background check if you were adopted from abroad, or if you wish to live or work in a foreign country. Here are the steps you need to follow to get your FBI background check for employment or licensing purposes. Nongovernment, private sector background checks may investigate more civil and criminal categories, and give instant results, but they may not meet the requirements for an FBI background check.