BACKGROUND CHECK THROUGH AN ONLINE SOURCE vs. CREDIT INVESTAGATOR
There are a
growing number of online options available to individuals looking for
background information. The increasing
accessibility of online background screening has fostered the misconception
that these checks are easier and cheaper than ever before…and that the
information available through an automated platform is of the same quality as
that obtained through a qualified credit or background investigator.
We live in a
society accustomed to having a wealth of information at our fingertips. The
internet is an endless resource for FREE information! However, the plethora of public
data does not necessarily make it any easier to generate quality screening
information. This is the first problem with online person search products: shockingly
poor quality.
Online
companies are not able to adequately cross-reference for accuracy. The human
element is missing, and in that void lays the essential key to quality
screening. An inaccurate address could
lead to a complete dead-end, or worse, information on someone who is not
actually the person you are searching. There may be a thousand John Smiths with
the same birthday. In order to verify that you have the correct information for
your John Smith, a multitude of other personal information needs to be cross-referenced. A person who is trained as an investigator is
able to determine when there are inaccuracies or missing data. An automated
program is not capable of completing the same screening report as a qualified investigator.
Poor quality is
not, however, the biggest problem with online sourced background checks. The most
concerning issue is, perhaps, the least obvious to the average person. Most
people are not aware that you are not legally able to use the information
provided through these online companies, and in some cases, not even legally
able to search for that information.
FCRA
regulations stipulate that only credit reporting agencies should provide
information to be used as a determining factor in employment eligibility,
tenancy, personal credit, loans or insurance transactions. Online person search sites such as
PeopleFinder.com, Intelius.com, and InstantCheckmate.com are not credit
reporting agencies and are not, therefore, providing background information
that can be used as a determining factor in any of the above circumstances.
Furthermore, it
is important to be aware that federal, state and local statues govern the
regulations and licensure required to conduct background screening. Online
background companies have waivers stating that you are responsible for following these regulations and not
requesting any information that would be illegal to obtain without the required
license or authorization. This means that depending upon where you are located,
and where the individual you are searching resides, you may be breaking the law
by accessing background information even though it is available to you for
purchase through this online companies.
After close
examination of background screening options, the choice is easy. You can pay
for bad information, you can be liable for obtaining, and are not legally able
to use…or you can hire a qualified investigation company and obtain high
quality, legitimate information which you can use as a determining factor when
it comes to protecting your business or personal assets.
For more
information on screening options, visit our website at www.eRentalServicesInc.com
Bosco Legal
Services, Inc. website publications were used as a resource for writing this
article.
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