Times are changing and background checks are becoming even more popular. In our world today, it is impossible to rent an apartment, buy a house, and get a job without having background checks appointed. Have you ever wondered what is on your background check? If not, you should be. It is very common for background checks to have false information listed about you. This could hurt your job future, your credit and any other future positions. You should also conduct a background check to make sure that no one is using your identity.
Who Conducts Background Checks?
When you submit an application to a company for a job position, they will usually run a background check to make sure that you have entered the correct information. Loan processors also conduct a background check when you apply for a line of credit. Credit reports can also come back with inaccurate information. If you have a delinquent account with a credit company and it has gone to a collection agency, they will run a background check. This is one of the most important reasons that you should conduct a background check on yourself. Someone could be using your identity, ruining your credit, and making it so that you owe thousands of dollars in debt.
Run a Background Check
There are numerous sites on the Internet offering to do free background checks. This is not always the best option. They might only list general information that does not tell the whole story when they present your background check, such as your address. They might also not list accurate information at all.
For the most substantial results, you need to use a site that is endorsed by the federal government. You will have to pay a small fee, but the information will be truthful and you will finally find out if someone has reported false information about you. Some of the background search services will also help you monitor your credit. If someone is trying to use your information or if your credit score changes, it will alert you. This is a great way to find out if your future background check will be false as well.
How to Fix an Incorrect Background Check
If you run the background check on yourself and you find out the information is false, stay calm and stay positive. While fixing it can be complicating, it is possible and you need to have the information made right again.
Your first step is to notify the public agency in your area to correct your public record if there is false information about your criminal background, court history, tax, judgments, small claims, driving record, and birth or marriage history.
You will also need to write a letter to all three credit reporting agencies, including Experian, TransUnion, and TRW to dispute any claims that are false on your background check. You will have to include copies of any documents to support your case and wait for them to analyze your claim to make the changes.
While a background check does not always have false information, it is possible. Your information is up for grabs for anyone who wants it, and while you cannot block people from receiving this information, you can make sure that what they find out is true.
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