How to Fight Shoddy Background Checks

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How to Fight Shoddy Background Checks

  1. 1. How to Fight ShoddyBackground Checks
  2. 2. DENIED! More and more employers are running background checks on potential hires. But many of these reports, which include credit and criminal histories, are riddled with errors. In fact, 70 percent of U.S. businesses do background checks on potential hires. And according to the National Consumer Law Center, that information is often wrong. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 2
  3. 3. Believe It or Not Chances are there’s someone in the U.S. with your name and a similar birth date. You better hope that person isn’t a criminal. For some background screeners, sadly, ―close enough‖ is enough. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 3
  4. 4. No OversightOne troubling fact the NationalConsumer Law Center brought tolight: There is virtually no oversightof the background check industry.Nearly anyone with an Internetconnection can open up shop as abackground checker. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 4
  5. 5. Misleading Facts Sometimes even the facts are distorted. A shoddy background check might: • cite an arrest, but not mention that the case was dropped or you were found innocent; • list a single charge multiple times; • report a misdemeanor as a felony or make other category mistakes. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 5
  6. 6. Uncovering Identity TheftBackground checksoften bring identity theftto light. That soundsgood in theory, butidentity theft discoveredduring an employmentprocess can cost youthat job. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 6
  7. 7. Bad Credit Criminal background checks aren’t the only cause for concern. Many employers check credit histories. Unresolved disputes or poor scores–more often than not due to unemployment–can lead to more unemployment. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 7
  8. 8. Surprise!Unlike clowns and kindergartners,employers don’t like surprises. Ifthere is something on your record,explain the circumstances upfront. It’s better to start theconversation than to have aprospective employer believe they―caught‖ you being dishonest ormanipulative. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 8
  9. 9. Credit Check YourselfEveryone can check their reportonce a year for free. Also, ifyou’ve been denied credit oremployment because of a creditcheck, you are entitled tothat free report as well. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 9
  10. 10. Correct YourselfBy law, all consumer reporting agenciesmust allow you to correct outdated orinaccurate information. But there’s a timewindow, usually 30 days after requestingthat report–so act fast. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 10
  11. 11. Pick Up the Phone Your bank, credit union, insurer, financial planner or attorney may offer identity theft protection, which often covers shoddy background checks. If they don’t, give us a call at1.877.432.7463. Don’t be afraid to ask lots of questions. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 11
  12. 12. Help Is Out There Be proactive—don’t wait to become a victim of identity theft before finding a company you’re comfortable with. Help is just a phone call away. © 2003-2011 Identity Theft 911, LLC. All RightsMay 2, 2012 Reserved - Confidential 12

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