People Background Search

Worried and nervous, PLEASE HELP!?
I was a young single mother who got way in over my head with credit. In a time frame of 2001-2003, I was extremely negligent. I am much more responsible with myself now. Unfortunately, bad credit does not come off over night. I am even putting myself into a financial slump by paying off all my bad debt. To me it is worth it though! I am paying for my carelessness with my bad credit everyday! My concern is that I recently got hired for a GREAT job. Everything a single mother could hope for. They are doing a background check. It is for an insurance job. I am working in the customer service dept. It pays AMAZING! I am not sure if they are doing a credit check with the background check. Should I talk to someone at my new job and risk opening a can of worms, or wait it out and see what happens and explain my poor decisions at that time if the need arises. I am so nervous because I dont know what to do. I need this job SO bad! Should I tell them or not? Please help.

How can chase extend you an offer of employment without first checking your background check?? will they base their decision on a credit check also? b/c i have one judgement from last year on my credit and a few chargeoffs.does anyone know if JP morgan chase checks credit??

I filed for Chapter 7 bankruptcy at the beginning of this month and last week I had an interview with a bank for a Universal Banker position. On Friday they called me and offered me the job and my salary and I accepted it. She said that they were going to do a background & employment check this week and I am supposed to start March 3. She did not say anything about doing a credit check, but can they take back their offer if they do see that I have filed for bankruptcy???

I responded to an ad on craigslist for a job and got an email saying I got the job, but they needed to perform a credit and background check. I know this is not unusual as many jobs require credit checks and nearly all require background checks. My concern is that she told me to get the check myself and send her the verification number. I want to know if everything is on the up and up. My question is, should you have to pay to get a credit check for an employer or do they usually pull it up on their own? Here’s part of the email so you can make a better decision:

"We’ve taken some time to look through the applications. And we’ve decided to make you a part of our staff. We’d love for you to come in for an interview. We are still REQUIRED to run credit and background checks on all our employees. This is because we have a lot of private and sensitive information lying around in our office, and the nature of the work itself. Visit this link to get the credit report; it’s free of course. Simply email us the verification number–we don’t require you to send us your private info via email. But we WILL need your verification number to set up your interview. The BG check will be done in person. E-mail me if you have any questions. Look forward to seeing you soon!"
The site the link goes to is creditreportcom where I would have to enter my credit card information even though it has a free trial period.

I responded to an ad on craigslist for a job and got an email saying I got the job, but they needed to perform a credit and background check. I know this is not unusual as many jobs require credit checks and nearly all require background checks. My concern is that she told me to get the check myself and send her the verification number. I want to know if everything is on the up and up. My question is, should you have to pay to get a credit check for an employer or do they usually pull it up on their own? Here’s part of the email so you can make a better decision:

"We’ve taken some time to look through the applications. And we’ve decided to make you a part of our staff. We’d love for you to come in for an interview. We are still REQUIRED to run credit and background checks on all our employees. This is because we have a lot of private and sensitive information lying around in our office, and the nature of the work itself. Visit this link to get the credit report; it’s free of course. Simply email us the verification number–we don’t require you to send us your private info via email. But we WILL need your verification number to set up your interview. The BG check will be done in person. E-mail me if you have any questions. Look forward to seeing you soon!"
The site the link goes to is creditreportcom where I would have to enter my credit card information even though it has a free trial period.

With regards to employment, not a criminal record check or a credit check and not just ringing previous employers on your c.v., somebody has mentioned a background check?

My current roommate is now showing her true colors, she is lying so much that it is ridiculous. She gave me 2 bad checks and she still haven’t paid her portion (security deposit and rent)..I told her because of this situation I want to do a background check because I am not comfortable with everything she is doing and saying..(lies after lies..)..She said she doesn’t the credit check and employment verification, but she will not sign for a criminal check. That was a red flag for me! Why would you not sign for a criminal check, is there something she’s hiding? Well of course there is, so I went online, typed in her name and DOB, and lord behold..she was convicted for IDENTITY THEFT AND WRITING BAD CHECKS AND MONEY LAUNDRING! Lord have mercy, I started crying..she could have gone into my room and took some info about me…I froze all my accts but still very scared.

So, In New Jersey, Is it illegal to do a criminal check without her permission. PLEASE HELP ME! MY LIFE IS IN YOUR HANDS!
The 2 checks came back as account closed and the accounts her in Maryland she claims, I asked her why can’t she open one in Jersey, she said she doesn’t have her social security card, but I remember seeing it when she pulled out her fake checkbook..my guess is that she is banned from opening accts because she might me in chex systems..WHAT A CROOK!…I WANT TO PRESS CHARGES SO BAD BUT HER BOYFRIEND IS PART OF A GANG HERE…MY LIFE IS AT STAKE…IM REALLY CRYING HERE BECAUSE I LOVE THIS PLACE AND I DONT WANNA MOVE…WHAT SHOULD I DO. PLEASE HELP!

My company sent me an employment disclosure and authorization form so that they can do a background check on me. The form says:
A consumer report or reports will be obtained on you for employment purposes. It may include an "investigative consumer report" that includes information as to your character, general reputation and personal characteristics. Under the Fair Credit Reporting Ac, you have a right to request disclosure of the nature and scope of the report, which involves personal interviews with sources such as employers, educational or training institutions you attended, references and law enforcement agencies.
Does this mean that they will be doing a credit check as well???

We recently found a house for rent and put in an application that included our address (husband and i) social security number as well as employment and previous landlord info. He said he is going to perform a full background check. what does that in-tale? Can he do a credit check also? we never were told about a credit check just full background and employment/landlord references.

I am going to be renting out my house. I need to find a lease for renters and also where should I go to have a background check and credit check done on potential renters?

Hi-
I doesn’t really make sense to me that a company does creidit checks for employment. I completely understand about a background check, but what could there be on credit check that is not on a background check?

I filled out an application for a job today and had an interview. I signed a release to do a background/credit check. They asked for my date of birth on that release form. I left it blank. I havent been offered the job, I was only there for my first interview. I know that a backround/credit check can be done without a birthdate, and dont they wait until thett are least seriously considering hiring you, or have actally offered the position before a background check is done? Is asking for the birthdate on the other form just a sneaky way of finding out how old you are prior to offering you a job???
I realize they need the age info if you are hired, but I only filled out an application, and had a 10 minute interview.Isint it against the law to ask someones age before a job offer??Do the do background checks on everyone who fills out an application?

Hi Lawyers…Please HELP!
Needing some help please. I recently received a job offer for a Practice Management position after 3 months, 6 interviews and 5 references were provided. I was scheduled to sign contracts this week to begin working next Monday. However, the employer in a last minute turn of events, asked the recruiter to run an employment background check and credit check on me. The recruitment agency contacted me via phone and left a voice message asking for my consent to run these reports. I responded through email saying to go ahead but that I had a prior bankruptcy that occurred in 2005 that I felt sure would be an issue for the employer. The recruitment agency then called me to ask me if I was interested in divulging any details about this as they also felt sure she would "freak out" and have questions. I explained in brief that it was due to medical bills and opted to say no more.
I then spoke to my HR guru friend who told me that the law states any credit check has to be requested via a signed consent form. I quickly called the recruiter back to halt the process as I was also advised to not do it as these things are often very sketchy and not relevant. By the time I called to stop the process and state this was highly suspect, it was too late. The reports were run and the results related to the employer via a phone call. They assured me in a written letterhead document that no hard copy was sent to the employer nor had they kept the documents on file as they were not obtained legally and correctly.
As expected, the employer now is very upset by the bankruptcy. She feels she cannot trust her 2.5 million dollar practice to person with such a questionable history. That would be me. Yes, I’m furious and very very hurt. My background check is perfect..not so much as a speeding ticket. I’ve never been arrested, have felony convictions, etc. Nothing. Further, as previously stated, I have endured a marathon of 6 interviews and provided 5, yes 5 references..all stellar. She now wants to hold off on any decisions of employment pending some questions she now wants to ask me regarding the bankruptcy.
I am angry and feel discriminated against. First off, I understand that the collection of this data was not legally obtained. Further, I also know that asking me personal questions of this magnitude is also walking a thin line of legal correctness. If you can’t ask a potential employer if they are married or have kids, then how can you pry into their personal financial history and make that person justify themselves?
My question is obvious I guess: Do I have a legal case? And should the employer opt to forgo employment with me even though an offer was presented to and accepted by me, is this more of a case for discrimination?
Thank you !!!!
@ WRG: Actually, no. It is not legal to attach credit check forms to applications for employment. This is a separate document that must be separately signed and a copy given to the applicant as well as kept on file in the employment office.
Further, I do not have bad credit, I have a bankruptcy 6 years ago. Nothing else is in question.
Finally, a verbal authorization does not preclude taking legal measures to ensure I am protected and the employer is protected. It’s a 3 part process: first is the signed form stating you understand a credit check might be performed. Then if the employer decides to pull the credit check, they must have an employee sign another statement giving consent, then if employment is denied based upon that credit check a copy of the credit report and a document stating the reasons why employment was denied must be given to the applicant. Verbal or not, it’s not legal.
Thanks for your input

@ Gapatti: Thanks! I’ll look into that further. I appreciate your thoughts

Just wondering how employers can check your employment history? Other than them calling the employer of course. Because I lied on my employment before and a background check did not show my previous employers and got hired with no problem. The only other thing i can think of is a credit check? If so, can you please explain.

Thanks

Police check?
Credit check?
Reference check?
Employment history check?
Other?

What would disallow a bank to reject your employment after getting a background check back, and the only thing on there is speeding tickets (not including credit check). How important is credit history when offered a "conditional employment" froma bank?

an employer wants to charge me .95 for a background/credit check before i am hired is it legal ? and do they have to show me a copy of their findings?

I signed permission to do a background check pre-employment. It is the FCRA background check. I have shady credit only because I had bankruptcy 3 years ago. I was told that cannot be a reason to not be hired.

What else may be checked? I have no criminal background but was fired from a job 16 years ago for illness/missed work.

My last employer said she has not heard from anyone yet and the application/FCRA background check permission was filled out online on 7/31.

I ran a credit check yesterday and there was no inquiry on it.

I called recruiting Friday and they said that they couldn’t tell me anything but that my application was there and active.

The potential employer called it a ‘consumer report or investigative consumer report’ in the instructions but it had the FCRA disclosure.

I signed permission to do a background check pre-employment. It is the FCRA background check. I have shady credit only because I had bankruptcy 3 years ago. I was told that cannot be a reason to not be hired.

What else may be checked? I have no criminal background but was fired from a job 16 years ago for illness/missed work.

My last employer said she has not heard from anyone yet and the application/FCRA background check permission was filled out online on 7/31.

I ran a credit check yesterday and there was no inquiry on it.

I called recruiting Friday and they said that they couldn’t tell me anything but that my application was there and active.

I believe I might just be paranoid because I don’t even know if the company uses a credit check as part of their background checking process, but if they do could it keep me from passing after they have offered me a position? It’s only a part-time sales associate position as well.

what do companies usually check first in a background check?

I had drug/criminal/fingerprinting/employment/credit check in progress. they told me it could be 1 – 2 weeks.

Today they asked me to confirm information about my high school (even though i graduated from a university)… its been 5 days!

if a rental application does not disclose to the applicant that there will be a back ground check is it safe to assume they will not do a background check? i think for legal reasons they would have to give a disclosure? i am just courious for i am applying at a place that just staes there will be a credit check and says nothing about a background check

I was offered a job however, i have to pass the background check. i was wondering if it is a criminal background or a credit check because i do owe money on parking tickets and student loans.

I would really like to hear from people who either work at pls or used to work there….thanks

What is in it? What can they know? Is this a credit check? If so can this reduce my credit score because my social security number is being ran? thanks in advance.

My credit is really bad and I want to know if it will make me disqualified. I know that they do a background credit check, but what is it they actuallu look for. I lost my job and I am in a region that is a very poor work economy and I found a job in another state to help this clear up. Do I still have a chance to apply and get a job as a police officer?

I am trying to find a job, and am worried about explaining gaps in my employment history, as well as being unclear on dates I started/ended jobs in the past. How in depth do the pre-employment background checks and work history checks go?

I worked a few months when I was 19, then I moved in with my fiance, and was basically a "homemaker", as he did not want me to work. I just handle housekeeping, cooking, paying bills, running errands. This was 10 years ago, and in the past 10 years I have been a homemaker. The only job i’ve had is "self employment" (babysitting and cleaning houses). I did take a temp job for a couple months back in 2006. Other than that, and the job I hate in ’99, nothing worth putting on an application. (Had a couple convenience store jobs over the years, but not long lasting, due to only having one car and having conflict with HIS hours.)

We now have a second vehicle, and I am DESPERATE to get a job outside the home! LOL

At least one place I am applying with does at extensive background check, including employment history and credit check.

I am wondering..

Can they verify the length of time you were employed with a company, and the EXACT dates? I called the restaurant I worked at back in ’99 to get the exact dates of hire and leaving, but they say they do not keep records past a few years. So, i’m not sure what the date were! Will the companies doing the background checks be able to find the info even so? If I just guess that the dates, will that look horrible?

Also, any advice as to how I should explain the huge employment gaps.

This is so complicated, any advice appreciated!

I was wondering two things. First, what is the purpose of a credit check for employment at places like WalMart? I understand background checks, but a credit check? Also, if I do not have good credit, does that mean I cannot be hired for places like this? I just really don’t get the point of it if everything else is fine why a credit check matters. Please explain.

A judgement was placed against me because I had a delinquent credit card. II know it shows up on my credit report. ‘m currently making payments on it. Will this show up on a background check that does not include a credit check?

I want to rent a commercial space and my landlord wants me to perform my own background/credit check. I’ve never had to do this before, as all my previous landlords did this for me. Is this landlord-to-be just lazy? Or is this normal? He also suddenly wants to raise the deposit, even though we agreed (verbally) on a lower price. Should I walk the other way?

I’m going to start looking for an apartment, and I was wondering what comes up on a background check. I got in trouble for possession of marijuana and use of paraphernalia about a year ago, I never plead guilty, and its supposed to go away after a year if I don’t get in trouble, but it hasn’t quite been a year, would this come up on a background check?
they do a criminal background check and a credit check

Does Target only search for a criminal background history, or is a credit check, education, or work history included also?

Do all big cooperations check educational background?

When you apply for a position online (online application), and they ask you in for an interview, does that mean that they have already done the background/credit check? I hope so. I’m worried about my credit.
before or after interview that is (if apply online).

My credit is really bad and I want to know if it will make me disqualified. I know that they do a background credit check, but what is it they actuallu look for. I lost my job and I am in a region that is a very poor work economy and I found a job in another state to help this clear up. Do I still have a chance to apply and get a job as a police officer?

My boss called me today and fired me because they did a background check on me. I have been working for them for a year already and employment was supposed to be subject to a background check and credit check. However, a year later, they fired me. Can I sue them and win?
Here’s the catch, they hired me as contract labor and had me fill out the tax form stating so when they hired me.

I filled out a rental application for a house, provided all the details necessary to do a background check (my SS#, DL#, etc) and paid an application fee. However, I forgot to sign the application because I was waiting to do so with the person I was working with, who wasn’t available when I dropped it off. They still went through with the background check though, is that illegal?
It did include a credit check. I have credit monitoring service and was notified.

I posted a similar question earlier, and I’m hoping for an answer this time
I have a Ch 7 bankruptcy and am applying for a customer service call center position, does anyone know if there is a chance I will not get the job? They brought me in today to do paperwork and want me to start monday, but I guess it’s all contingent upon me passing the background check and drug test. I told the hiring manager that I did not have the best credit, and he did not seem concerned, he just said that HR handles all of that. The guy I shadowed in the hiring process said he had bad credit too and he had no problems, but I just didn’t know with the bankruptcy. Any help would be appreciated and spam is not.
they did say they would check credit, but most places do nowadays but it’s a general form so I’m wondering if this position really focuses on credit check as a part of the decision

I ask because I know that if a potential employer calls a former employer you were fired from, it is unlawful for that employer to give out that kind of information. Apparently, they’re not even allowed to give out the salary you made.

But, what I don’t know is if the company you were fired from releases the information–the fact that you were fired–to background check companies … or puts it in some sort of database that any background check company can access.

I’m really gearing for this one job and I don’t want to have that one job that I worked for more than 3 years ago to make me ineligible for this job. Any feedback is appreciated. Thanks.
I’m not asking if they call my past employer. I’m asking if it will show up on a background employment check. Ya know, those companies that do nothing but background checks on individuals for other companies for hiring purposes…
I’m also not asking if they check. I KNOW they check cuz an AT&T employee emailed me telling me which kinds of background checks they do: (county, federal, etc), a driving check, and an employment check. Those were his exact words.

I emailed him explaining that I was working with a credit agency which would show why I am delinquent on some of my credit cards. And he wrote back thanking me, telling me he didn’t think they did a credit check, but that they did the above ones.

If you’re going into a job as an Admin and the company performs a background check – which includes a credit check – and you have bad credit – is there a chance that they will not hire you?
What could be on the credit report that would make them not want to hire you?

Can someone give me a legitimate site to do a background check including criminal history, credit check, etc? Thanks much!

I recently attended a group interview at toys r us. The manager stated that a criminal background check and a credit check were done. I have no worries about the criminal. I am worried about the credit check. My credit is going down the toilet. Not because I refuse to pay bills but because I have no income and can’t. I was already turned down by a call center and now I am afraid the same will happen now. I have a spotless employment record and absolutely no criminal record yet this report will deem me as untrustworthy. I have 2 year old medical bills and student loans that aren’t going anywhere. Without a job my credit will get worse. My question is how much would this affect their decision. Has anyone familiar with their hiring process. Any insight would be appreciated.

I rent out my college house during the school year and want to do a background check and credit check on these people to see if they can pay the bills. How would I go about this?

I got a job acceptance pending drug testing & background check. Does that background check include a credit check?!

My company sent me an employment disclosure and authorization form so that they can do a background check on me. The form says:
A consumer report or reports will be obtained on you for employment purposes. It may include an "investigative consumer report" that includes information as to your character, general reputation and personal characteristics. Under the Fair Credit Reporting Ac, you have a right to request disclosure of the nature and scope of the report, which involves personal interviews with sources such as employers, educational or training institutions you attended, references and law enforcement agencies.
Does this mean that they will be doing a credit check as well???

A client I’m supposed to start with next week said
they are going to run a background check on me as a
formality.

What does a background check by an employment agency
normally entail? Is it a simple check for felonies,
or a credit check, or what? Just curious.

Am just curious for them do to a credit report do they have to have your permission for them do to a credit report check does it have to say on the appreciation that they will do it Is credit report includes background check I know if I get a high paying job they will call your former employers and reference and do a credit check if it a low paying job they just do a criminal background check on certain jobs It usually take a few days to a week for a criminal background check.

We are looking in to buying a mobile home and the park wants to do a background check and credit check….how far back do they look in the background and what exactly do they look for? Due to someone using my credit about 7 years ago I’m afraid this could cause a problem…my 2 children and me and my fiancee are hoping to leave at the end of the month (2 weeks) we already gave notice to our landlord.

When an employer does a background check does it include a credit check? What if you do not have great credit? Will this prevent you from getting the position?

My husband and I plan to rent out our extra bedroom in our condo and want to do a background check and credit check on the person we want to move in (when we find him/her). Do anyone know where to get this done or how much it cost?

I am renting my home and need to screen a potential tenant. Shoudl I do a FULL background check or credit check? Is credit history included in a background check?

My husband and I plan to rent out our extra bedroom in our condo and want to do a background check and credit check on the person we want to move in (when we find him/her). Do anyone know where to get this done or how much it cost?

Do they call all your previous employers, do a criminal background, credit check? Which one is the main one that is done in a job background check? Thanks!