| |
Consumer/Personal Credit Reports –Personal credit reports contain details about the financial behavior and identification information of a consumer. Sometimes called a credit file or a credit history, this report has information necessary for creditors to review an applicant’s credit history. The typical consumer credit report includes four types of information:
- Public record information in some states may also include overdue child support. Bankruptcy information can remain on your credit report up to 10 years; unpaid tax liens can remain for up to 15 years; other public record information can remain up to seven years.
- Credit information includes specific account information, such as the date opened, credit limit or loan amount, balance and monthly payment and payment pattern. The report also states whether anyone besides you (a joint account holder or cosigner, for example) is responsible for paying the account. Active positive credit information may remain on your report indefinitely, while most negative information remains up to seven years.
- Requests by others to view your credit history will show you who have received information from your credit report and who was given your name during the recent past, as allowed by law.
- Personal information can include your name, current and previous addresses, telephone number, reported variations of your Social Security number, date of birth and current and previous employers.
Back To Top
Employment Credit Reports – Employment credit reports are designed to assist businesses make better employee hiring decisions by quickly and cost-effectively providing objective and factual credit information. Credit information provides insight into an applicant’s integrity and responsibility toward his or her financial obligations. The employment credit reports typically contain:
- Consumer identification, including Social Security number
- Address information, including length of time at current and previous addresses
- Employment information, providing insight regarding an applicant's previous work history
- Other names used, such as maiden names and aliases
- Public record information on bankruptcies, liens and judgments against the applicant
- Credit history providing an objective overview of how financial obligations are handled
Back To Top
Criminal Records
- County Criminal Records – United Screening over the years has assembled a nationwide network of county court record retrievers. County court researchers are local companies that are familiar with the legal system within their respective jurisdictions. Utilizing the expertise of local court researchers is vital to obtaining the most accurate information possible. County court records contain the most accurate detailed up-to-date information (offense date, charges, conviction date, disposition) about arrest records/open cases, and felony and misdemeanor cases.
Back To Top
- Federal Criminal Records – The federal criminal search contains records of violations to statutes passed by the United States Congress. The Federal Court System maintains these records. Federal crimes typically address any criminal activity of national concern. Although, in recent decades the federal government has become increasingly involved in prosecuting drug and violent crimes, areas once left almost exclusively to the states. Many crimes are prosecutable in both state and federal courts. Examples of federal cases are; wire and mail fraud, immigration law, drug trafficking, and tax evasion.
Back To Top
- International Criminal Records – Obtaining any type of information from countries outside the United States requires experience and familiarity with the costumes and laws of each country. Similarly to the system used to obtain country criminal records, we have compiled a network of local researchers that are experienced and familiar with the laws, requirements, and customs for obtaining records within their country.
Back To Top
National Criminal Records
- National Crime Information Center (NCIC) – This is a computerized database of documented criminal justice information available to virtually every law enforcement agency nationwide. The NCIC became operational on January 27, 1967, with the goal of assisting law enforcement in apprehending fugitives and locating stolen property. This goal has since expanded to include locating missing persons and further protecting law enforcement personnel and the public. The FBI maintains the host computer while providing a telecommunication network to the CJIS Systems Agency (CSA) in each of the 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, and Canada, as well as federal criminal justice agencies. Criminal justice agencies enter records into the NCIC, which are, in turn, accessible to law enforcement agencies nationwide. This database is not available to the general public.
Back To Top
- National Criminal Records Databases – Private industry has access to a number of privately owned national criminal databases. These databases collect criminal record information from various state and county jurisdictions. These databases contain millions of criminal records from counties, Department of Corrections (DOC), Administrative of the Courts (AOC), and state sex offender registries covering all 50 states and Washington DC, Guam and Puerto Rico. Also included are national and international terrorism sources, and proprietary database of previously compiled reports.
Back To Top
- National Sex Offender Registry - United States Department of Justice (USDOJ) _ The Dru Sjodin National Sex Offender Public Registry, coordinated by the Department of Justice, is a cooperative effort between the state agencies hosting public sexual offender registries and the federal government. State sex-offender registration and notification programs are designed, in general, to include information about offenders who have been convicted of a “criminal offense against a victim who is a minor” or a “sexually violent offense,” as specified in the Jacob Wetterling Crimes Against Children and Sexually Violent Offender Registration Act (“the Wetterling Act”) – more specifically, information about persons convicted of offenses involving sexual molestation or sexual exploitation of children, and persons convicted of rape and rape-like offenses (regardless of the age of the victim), respectively. 42 U.S.C. § 14071. Members of the public are advised, however, that publicly-accessible Internet sites established by different states may not be comparable with respect to the comprehensiveness of offender-related information that is made available for public disclosure. Members of the public should be aware that not all state Internet sites provide for public disclosure of information about all sex-offenders who reside, work, or attend school in the state.
Back To Top
- Statewide Criminal Records – The availability of statewide criminal records and the data contained in the statewide database vary from state-to-state. In several states there are two databases that contain criminal records. One database is maintained by a government law enforcement agency, and the other is a compilation of records from several state law enforcement sources maintained by private database companies. A handful of states are labeled to as ‘closed states.’ In these states the general public does not have access to the statewide criminal records databases. It is reserved for law enforcement use only.
Back To Top
Driving Records Search (MVR) – Driving records, also known as motor vehicle reports (MVRs), are documents that detail a history of violations, suspensions, and other information about a person's driving history. Driving records can be invaluable investigative tools for individuals and businesses.
- Commercial Driver License Information System - CDLIS allows employers and their agents to comply with FMCSA requirements ( § 391.21-391.27), by searching within the "Commercial Driver's License Information System" for any prior licenses, current CDL and up to three prior licenses held by said individual. Mandated by the Commercial Motor Vehicle Safety Act (CMVSA) of 1986, CDLIS supports the issuance of commercial driver licenses (CDLs) by the jurisdictions, and assists jurisdictions in meeting the goals of the basic tenet "that each driver, nationwide, have only one driver license and one record" through the cooperative exchange of commercial driver information between jurisdictions.
Back To Top
- Fleet Monitoring – Fleet Monitoring is a monthly online Driver Monitoring Service. The reports highlight invalid drivers, recent citation activity, and drivers that have current or upcoming license renewals. Management automatically receives the Fleet Monitoring Update Report every month in an easy to read format with a summary of monthly citation activity. They are streamlined to show only drivers with record activity that month. All other drivers are hidden from view.
Back To Top
Drug Tests including Medical Review Officer (M.R.O.) Services – United Screening has access to a nationwide network of over 12,000 collection sites to provide you and your applicants with convenient drug testing locations. Several methods are offered, including: Lab-based urine, instant urine, oral swab, and hair follicle. A Medical Review Officer (MRO), a licensed physician, reviews positive results.
Back To Top
Evictions Records Search – An eviction is a court action a landlord must use to remove a tenant from an apartment or room. Contrary to popular believe, most eviction filings are not reported to the national credit bureaus. Similarly to criminal record searches, eviction records are obtained from the county courts across the country.
Back To Top
FAA Licenses / Pilot Licenses – The FAA License/Pilot License search provides the type and validity of licenses issued to individuals by the Federal Aviation Administration (FAA).
Back To Top
Form I-9 Automated Web-based System – The Federal Form I-9, is a document that all employers are required to complete and maintain for all individuals hired. The Automated Form I-9 is a secured Internet based system designed to accurately complete the required Federal Form I-9. When combined with the Department of Homeland Security – Social Security Administration’s Basic Pilot Program, the system can instantly submit the Form I-9 information to the Federal Government and return the individual’s work eligibility in the United States. Additionally, the system can be set to maintain reminders for re-verifying workers that have work permits when they expire as well as notify the employer when the Form I-9 must be destroyed /purged per Federal Government mandate.
Back To Top
U.S. General Services Administration (GSA) _ Excluded Parties List System (EPLS) – The Excluded Parties List System (EPLS) includes information regarding entities debarred, suspended, proposed for debarment, excluded or disqualified under the no procurement common rule, or otherwise declared ineligible from receiving Federal contracts, certain subcontracts, and certain Federal assistance and benefits. This information may include names, addresses, DUNS numbers, Social Security Numbers, Employer Identification Numbers or other Taxpayer Identification Numbers, if available and deemed appropriate and permissible to publish by the agency taking the action.
Back To Top
HHS Office of Inspector General (OIG) _ List of Excluded Individuals/Entities (LEIE) – The Office of Inspector General's (OIG) List of Excluded Individuals/Entities (LEIE) database provides information to the health care industry, patients and the public regarding individuals and entities currently excluded from participation in Medicare, Medicaid and all Federal health care programs. Individuals and entities who have been reinstated are removed from the LEIE. No program payment will be made for anything that an excluded person furnishes, orders, or prescribes. This payment prohibition applies to the excluded person, anyone who employs or contracts with the excluded person, any hospital or other provider where the excluded person provides services, and anyone else. The exclusion applies regardless of who submits the claims and applies to all administrative and management services furnished by the excluded person.
Back To Top
Name & Address Search – The Name & Address Search with Social Security Number Validation is a database that maintains all of the known address for individuals across the nation including Puerto Rico. Additionally, the search verifies that the social security number provided is a valid number and lists the state where the number was issued along with the year issued. Knowing all of the addresses for the individual is very important when conducting a comprehensive background check since audits have shown that all databases including state owned databases such as the FDLE, and the national criminal database NCIC for various reasons have missing records. County court record searches can be ordered by cross-referencing the address in the Name & Address report. Furthermore, numerous studies have shown that applicants omit and/or mis-represent information disclosed in their applications. Therefore, relying on the address information divulged by the applicant is never a good practice.
Back To Top
Office of Foreign Assets Control (OFAC) List Search – The Office of Foreign Assets Control ("OFAC") of the US Department of the Treasury administers and enforces economic and trade sanctions based on US foreign policy and national security goals against targeted foreign countries and regimes, terrorists, international narcotics traffickers, those engaged in activities related to the proliferation of weapons of mass destruction, and other threats to the national security, foreign policy or economy of the United States. The OFAC acts under Presidential national emergency powers, as well as authority granted by specific legislation, to impose controls on transactions and freeze assets under US jurisdiction.
Back To Top
Professional Licenses – The professional license verification provides verified information from the issuing authority about the validity of the license. Generally, the agency will verify the type of licenses, the date issued, the expiration date, and record of any disciplinary actions. Actual data returned from the issuing agency may vary from state to state and from agency to agency.
Back To Top
Social Security Number Verification – This is a post hire search. Social Security Number Verification verifies an employee’s name and social security number utilizing data obtained from the Social Security Number Verification Service (SSNVS).
Back To Top
Professional / Personal Character References – Our experienced researchers will contact individuals, coworkers, colleagues, professors, or any other reference disclosed by the applicant to obtain an evaluation of the applicant’s integrity, work principles, capabilities, reliability, and honesty.
Back To Top
Verifications
- Bank Verification – The Verification of Bank Account verifies banking references supplied by the applicant. Our experienced researchers will attempt to verify Deposit Accounts and/or Outstanding Loans with the institution. Typical information obtained from the banking institution includes; account number, balance, and date opened.
Back To Top
- Department of Transportation (DOT) Verification – Employers that hire drivers are required to meet certain requirements set forth by the Department of Transportation. Pursuant to 49 CFR Sections 382.405 (f), 382.413 and 382.401 (b); the current/new employer must request specific information about the employment history and drug testing.
Back To Top
- Education Verification – The Verification of Education validates degrees, diplomas, certificates, and dates attended from universities, colleges, trade schools, and high schools.
Back To Top
- Employment Verification – The Verification of Employment verifies employment data supplied by the applicant. Our experienced researchers will attempt to verify position, dates of employment, pay rates, performance, reason for departure, eligibility for rehire, and any other comments provided by the employer.
Back To Top
- International Verifications – In addition to global access to criminal records, we have a network of resources for verifications (Bank / Education / Employment / References) worldwide. The same structure utilized to obtain international criminal records is used to attain the most accurate verifications. We have compiled a network of local researchers that are experienced and familiar with the laws, requirements, and customs for obtaining records in each country.
Back To Top
- Military Records Verification – Military records are obtained directly from the National Personnel Records Center. This Federal Agency maintains personnel records for all military services.
Back To Top
- Rent Verification – The Verification of Rental verifies occupancy/landlord data supplied by the applicant. Our experienced researchers will attempt to verify rent amount, occupancy dates, payment history, any notices and/or complaints filed, pets, eligible to rent again, NSF checks, and any other comments provided by the landlord.
Back To Top
Workers Compensating Insurance Filings – Workers Compensation is a system, which provides benefits to workers who are injured or who contract an occupational disease while working. The benefits include medical care, temporary disability payments and compensation for a resulting permanent impairment. In the event of the death of an injured worker, benefits are payable to the family of the worker. This service is recommended wherever physical activity is part of the job requirement. The information will enable employers to avoid placing employees in positions that may re-injure the employee. Additionally, it may help identify habitual claim filers. Back To Top |
|
