Remedying the Effects of Identify Theft

Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. The Fair Credit Reporting Act (FCRA)

Did You Know? Hard vs Soft Credit Checks

While you may have heard the terms “hard and soft inquiries” used often when it comes to applying for credit, few people know what they really mean and how they impact credit scores. Hard and soft credit inquiries are both requests to view your credit by retailers, financial institutions, and other lenders. It’s not just

The Myth About a National Criminal History Search

Anyone who has the responsibility of hiring employees and overseeing employment background screening for their dealership has heard the term “national criminal history” search. Although the title sounds all-encompassing when doing a background search, it really is not, which will be explained later in this article. There are a number of criminal records repositories an

Background Screening, Access Fees and Pricing

Sometimes your background screening company may charge you something referred to as “access fees.” These fees are nothing more than a tax levied by a particular county or state to access either criminal records or Division of Motor Vehicle (DMV) records. These fees are passed along to the client in addition to the fee charged

Is an Arrest a Conviction?

The average person may not understand the difference between being arrested and being convicted of a crime. As an employer conducting employment background checks, understanding the difference is imperative. An arrest is not a conviction. Also, an arrest does not mean the person is guilty of anything. An individual may have been arrested but may

Employment Screening and Credit Reports

Pulling credit reports on a customer makes sense when determining the credit worthiness of a person who may be financing a car or other item. However, pulling a credit report based upon a person seeking employment with a company is a whole different matter. Employers should be very wary of pulling credit reports on applicant

Written Permission to Conduct a Background Check

In order for an employer to conduct a background check for employment purposes the Fair Credit Reporting Act (FCRA) requires written permission from the applicant to authorize the employer to conduct a background check through a third-party provider; a background screening company. This written authorization cannot be part of the company’s employment application but must

What is a Person Search?

A person search is a search product that provides current and previous addresses associated with a person’s social security number. The search provides the full addresses and approximate dates the person’s name and social security were associated with a particular location. The search will also provide variations of the person’s name being searched. Many dealerships

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