Getting a background check might seem daunting, but it's a surprisingly straightforward process. Whether you need one for a job application, a rental application, or personal reasons, understanding the steps involved will make the experience much smoother. This guide will walk you through everything you need to know about how to get a background check, from understanding the different types to navigating the process itself.
Understanding Different Types of Background Checks
Before diving into the process, it's crucial to understand the different types of background checks available. Each type offers varying levels of detail and may be required for different purposes.
1. Consumer Reports:
These are often used by landlords and employers for pre-employment screenings. They typically include information on:
- Credit history: Your payment history on loans, credit cards, and other debts.
- Criminal history: Records of arrests and convictions.
- Public records: Information from court records, bankruptcies, and judgments.
- Previous addresses: Your residential history.
2. Employment Background Checks:
These checks are specifically designed for employers to verify the information provided by job applicants. They usually include:
- Criminal history: A more extensive search than consumer reports, often including details from county, state, and national databases.
- Employment verification: Contacting previous employers to confirm dates of employment and job responsibilities.
- Education verification: Confirming degrees and certifications from educational institutions.
- Professional licenses and certifications: Verifying any relevant licenses or certifications.
3. Tenant Background Checks:
Landlords often use these checks to assess the suitability of prospective tenants. They commonly include:
- Criminal history: Focusing on violent crimes and past evictions.
- Credit history: Assessing the applicant's financial stability.
- Rental history: Verifying previous rental history and payment records.
- Eviction history: Checking for past evictions.
How to Obtain a Background Check
The process of obtaining a background check varies depending on who's requesting it and the type of check required.
1. Through an Employer:
Most employers use third-party background check companies. You'll likely be asked to provide consent to allow the company to conduct the check. The employer will handle all the details.
2. Through a Landlord:
Similar to employers, landlords typically work with background check services. You'll need to provide your consent and may be required to pay a fee, although this is sometimes covered by the applicant.
3. Self-Initiated Background Checks:
You can also initiate your own background check through various online services. This allows you to review your own records and identify any potential inaccuracies or discrepancies before they become an issue in a job or rental application. Be aware that these reports may not contain all the information available to professional background check companies.
Important Considerations:
- Accuracy: It's essential to review your background check report for accuracy. If you find any errors, you have the right to dispute them.
- Fair Credit Reporting Act (FCRA): This law protects your rights regarding background checks and consumer reports. Understanding your rights under the FCRA is crucial.
- Costs: The cost of background checks varies depending on the type of check and the company used.
- Time: The time it takes to complete a background check can range from a few days to several weeks.
Conclusion:
Getting a background check is a necessary step for many life events. By understanding the different types of checks, knowing how to obtain them, and being aware of your rights, you can navigate the process confidently and efficiently. Remember to always review your report for accuracy and dispute any errors you find. This comprehensive guide should empower you to take control of your background check process.
