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3 red flags to look for in an employer credit check

3 red flags to look for in an employer credit check

by Background Experts | May 2, 2022 | Credit Checks

While credit checks are not as common as background checks, they offer a deeper look into a potential employee’s financial history. Credit checks allow employers to screen their potential employees for suspicious financial activity. They can also help verify a...
Credit checks for employment: 3 ways they can be more affordable

Credit checks for employment: 3 ways they can be more affordable

by Background Experts | May 1, 2022 | Credit Checks

While you may associate background checks with criminal and civil records, you may not associate them with employees’ credit. Credit checks let employers screen potential hires’ credit history, past employment, insurance, outstanding balances, loans, missed payments...
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F.A.Q.

What Shows Up on a Background Check?

What shows up on a background check depends on the type of screening performed, and the type of screening performed depends on the concerns and needs of the employer and the position for which the applicant is being considered. The most common types of background checks include:

Criminal Records Check – Under the Fair Credit Report Act (FCRA), criminal background checks cannot contain records of civil suits or arrests after seven years. Criminal convictions remain on an individual’s record indefinitely, but reporting rules vary from state to state.

Social Security Number Trace – Social Security Number Trace provides an indication of a name match along with information on a candidate’s address history, issuing state, year issued and any alias names used. An individual must have a Social Security number to be eligible to work in the United States.

Sex Offender Registry – All U.S. states are required to maintain a sex offender registry. Background Experts offers a state-specific sex offender check that will search the registry of your applicant’s state of residence. We also offer a National Sex Offender Registry, which identifies whether an individual is listed as a registered sex offender in any of the 50 states.

Credit Report – An employer can check a candidate’s credit report with explicit, written permission. While employers cannot see credit scores, they are provided loan information, bankruptcy (under 10 years) and collection account information (under seven years).

Driving Record – Background Experts provides an individual’s three, five or seven year driving history, depending on the state (each state has its own rules and regulations regarding driving records). The history includes license validity, suspensions, restrictions, vehicle violations, accidents, and drug- or alcohol related driving offenses.

Drug Screening – Whether you are looking for pre-hire or ongoing drug testing, Background Experts offers a multitude of panel configuration options customized for your company’s needs. We work with the top drug screening companies in the U.S. utilizing a collection site network of over 10,000 facilities.
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Contact Background Experts today about creating a background screening package uniquely tailored to the needs of your company.

How Long Does a Background Check Take?

Turnaround time for background checks depends on the type of information you need. Most background checks are completed within 24-72 hours. Certain background checks, however, may be subject to delays beyond our control due to policies or processes established by the source where the information is obtained or verified, e.g., courthouse, educational institution or employer. Background Experts utilizes the most powerful platform and integration capabilities available in the nation, allowing you to track your order online, real-time, 24/7.

What Is the FCRA and How Does It Apply to Background Screening?

The Fair Credit Reporting Act (FCRA), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Consumer Reporting Agencies (CRAs). When using consumer information for employment purposes, businesses have several responsibilities under the FCRA such as obtaining clear written consent from the individual, notifying the applicant when adverse action (terminating or denying employment or promotions, etc.) is taken on the basis of a report, and identifying the company providing the report so the information can be verified and contested by the applicant. Click here to review the complete FCRA regulations: https://www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf

How Much Does a Background Screening Cost?

The cost of a background screen varies based on the types and quantities of background checks. Our individual checks start around $8.00 per item, with most background screens containing several different types of checks such as:

  • Address History
  • County, State and Federal Criminal History Searches
  • County and Federal Level Civil Record Searches
  • National Sex Offender Registry Search
  • Motor Vehicle Driver Record
  • Education, Employment and Professional License Verification
  • And Much More
Why Drug Test?

Having a well-established random drug testing program does not mean that you do not trust your employees. It means that you care enough about their safety and workplace security to protect them, and yourself, from the costs of on-the-job alcohol and drug abuse. Random testing programs have proven effective in reducing workplace incidents and lowering workers compensation claims, saving employers money.

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