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What Do Background Checks Actually Check?

When you apply for a job, the employer will likely do a background check. This is to ensure that you are who you say you are and to check for any criminal history. They will also look at your credit score and employment history. Employers might use several resources, such as a site like, to look at an applicant’s background. Keep reading to learn more about what is looked at during a background check.

Credit History

Credit history is one of the things that are looked at during a background check. Credit checks give a snapshot of an individual’s credit history and can help determine if they are in financial trouble and may be unable to repay their debts. Your credit report will detail your ability to manage finances. Poor credit history may indicate that you are not a responsible borrower, which could make it difficult for you to get approved for a loan or credit card. This might also reflect poorly on your ability to pay rent or manage your job.

Criminal History

A criminal history check is usually conducted as part of a background check. Employers, landlords, and others may request a criminal history check to screen applicants or tenants. Several factors are typically considered during a criminal history check. These include the nature and severity of the offense, the age of the offender, and how long ago the offense occurred. In some cases, the offense may be considered a misdemeanor, while in others, it may be considered a felony.

The criminal history check may also consider whether the offender has been convicted of any other crimes and, if so, how many. In some cases, an offender may have a record of arrests but no convictions, while in others, they may have a record of both arrests and convictions. The criminal history check may also take into account the circumstances surrounding the offense. For example, if the offense was committed while the offender was under the influence of drugs or alcohol, this may be considered a mitigating factor.

In some cases, the criminal history check may also consider the offender’s rehabilitative efforts. For example, if the offender has successfully completed a drug treatment program, this may be considered a positive sign.

Ultimately, the decision of whether or not to hire or rent to an offender is up to the individual employer or landlord. They will weigh the factors mentioned above and any others they deem relevant to make their decision.

Identity Verification

Identity verification is the process of confirming that someone is who they say they are. This is usually done by comparing a piece of identification, such as a driver’s license or passport, to a database of known identities. Background checks often include identity verification as part of the process, in order to confirm that the person being checked is who they say they are.

There are a number of ways to verify someone’s identity, but the most common is to compare their identification to a database. This can be done manually by someone who is familiar with the process, or it can be done automatically using a computer program. Either way, the goal is to confirm that the person’s identity matches what is on record.

One of the most important aspects of identity verification is making sure that the identification being used is valid. This means that it has not been tampered with and that it has not expired. It is also important to make sure that the identification belongs to the person who is using it. This can be done by checking for ID theft, which is when someone uses someone else’s identification in order to pose as them.

Overall, a background check is an important process that should be conducted on anyone before hiring them or entrusting them with important responsibilities. The Fair Credit Reporting Act (FCRA) is a federal law that regulates the use of consumer reports, which are reports that include information about a person’s credit history, criminal history, employment history, or other personal information. This law gives employers and others permission to look into someone’s background but also requires that the results be shared with the individual. By looking at a person’s criminal history, credit score, and references, an employer can get a good sense of whether that person is qualified and trustworthy.

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