What is a background check report?
The term Background Check is a broad term covering any type of report that provides information about an individual. This information includes but is not limited to: age, address, credit, employment, education, criminal past, and social security number verification. The major difference between these types of background checks is how the data can be used.
How is information collected for background check reports?
To obtain some of these reports you must obtain the subject’s written permission. A credit check report for example can be obtained. But only when the person’s credit you are accessing has agreed in writing to share this information. In most cases, you will need to get written approval for reports including credit or social security verification.
What purposes can background check reports be used for?
There are two different types of background check reports: FCRA compliant and non-FCRA compliant reports. If you’re looking to use the information on an individual’s background check report to make decisions based on housing, credit, employment, or insurance, the company you’re using must be FCRA compliant. Non-FCRA compliant background check reports are for your average consumer. For example, if you’re moving into a neighborhood and want to know if any neighbors have criminal backgrounds, this is for you.
It is important to note that background check reports used from sites like Whitepages cannot be used for making decisions based on credit, employment, insurance, or housing. When looking for these types of background check reports, be sure to confirm that the company you are working with is FCRA compliant.
How can I look up someone’s background check report?
When looking someone up online, you can go through a search site like Google or Bing and find specific data; or, you can go through a site like Whitepages Premium to find all of this information in one simple search. This service is not free, but it can save you a considerable amount of time and is simpler than trying to compile all of the information in separate searches.
Services like SmartCheck by Whitepages, complete the research for you and compile all the information into a comprehensive report. For personal uses like checking on the background of your kid’s carpool group, looking up a date you met online, or finding information about your neighbor, Whitepages SmartCheck is for you. It’s free to find the person you’re looking for. Afterwards, it’s as quick as a click to retrieve the additional information needed to put yourself at ease. You can use Whitepages to search, find, and know about folks within your network and community.