When was the last time you Googled your name? Other people, including potential employers and dates, search for you, so you own it to yourself to see what information is out there. Becoming informed about your online reputation is a smart move but consider obtaining a background check for yourself too. Then, you get to see what others see when they search for you.
What's on a Background Check?
Several factors comprise your background report.
Who does Background Checks?
- The first is criminal history, which includes misdemeanors and felonies. A person would need to complete a broad search if they wanted to find international, federal, state and local infractions.
- The second factor is your credit information. Loan officers and landlords are particularly interested in seeing your credit score and whether or not you pay bills on time. Employers may also use that information to establish your trustworthiness and responsibility .
- The third factor, your driving record, indicates license suspensions, current points on your license and accident and is especially useful for auto insurance companies or jobs that require you to drive during work hours.
- Your employment history also makes the cut and is included on a background check because employers want to ensure you honestly represented your resume. You could be fired for padding your resume or leaving parts out.
A variety of people can search your background for information about your criminal, credit or employment history. Possible searchers include:
- Loan officers
- Auto insurance companies
- Romantic interests
Because much of this information is available via public records, which are often posted online, your past is online for everyone to see. And what's not online is available to anyone who wants to do a little searching. That's why you should take time to do a background check on yourself. Find out what everyone who searches for you sees, and make time to correct inaccurate information. This way, you aren't blindsided by a loan denial or lost job opportunity. Take action and protect your future today.