A Comprehensive Guide to Conducting a Free Online Background Check
Have you ever considered performing a personal verification of yourself online? It's a wise step to take for several reasons. There could be incorrect information about you circulating on the internet or in your credit report, and you might stumble upon an embarrassing photo or a comment you made years ago. Such details could potentially harm your chances when applying for credit or employment. Fortunately, there are ways to rectify or remove damaging information. Additionally, it's prudent to conduct a background check before entering into a roommate arrangement or going on a date with someone you met online. You never know what concerning or risky details might be concealed in someone's past. Given the importance of checking people's backgrounds, there are numerous methods available, and the best part is, some won't cost you a dime.
Before we proceed, it's essential to note a crucial fact about background checks. If you are conducting a background check as an employer, landlord, or for credit, medical, or insurance purposes, you cannot use just any service. According to the Fair Credit Reporting Act, you must use a Consumer Reporting Agency (CRA), which adheres to specific standards for data security and offers dispute resolution. Failing to use a CRA for background checks on potential tenants or employees, even for casual workers like domestic help, can land you in legal trouble. You can find a comprehensive list of CRAs categorized by credit reporting, job history, insurance, rental, and more on my website. Furthermore, you have the right to request and dispute the information these CRAs have on file for you.
When it comes to conducting background checks on roommates or romantic partners, you can employ various services or legal methods of your choice. Hiring a professional service is the easiest option, and numerous background check agencies are available online. However, be cautious of scam companies. Shop around and compare prices from multiple agencies to determine the average cost of a background check and steer clear of those that offer suspiciously low or excessively high prices.