Business background checks are most often performed when hiring employees, managing rental property, conducting business with other companies, investing in a business venture or attempting to collect on a business debt. Personal background checks are essential when an individual is going to be given access to one's home or property as a result of performing a service or being hired as an employee.The unprecedented access to technology enables people to either steal or manufacture identities with great ease. Therefore it is essential to utilize background checks, gleaning as much information as possible to confirm an individual's identity before becoming involved with them. The old expression "it is better to err on the side of caution" has more meaning today than ever in the past.
You will discover family members, spouses, and live-ins. Search for personal assets, like properties, homes and automobiles, boats, aircraft ownership, as well as property deed transfers.
A Background Investigation should include a complete national and state-wide criminal courts records search, including sexual offender and OFAC search.
Personal Information and Identity Verification
o Identity Verification. Important database searches prove or disprove identity; discovers or confirms "identifiers" like DOB, SSN, and addresses reported on credit applications. Discover other names associated with subject's Social Security Number (SSN). Has your subject used other Social Security numbers in the past? This could be a cause for concern.
o Also Know As (aka's). Data are derived from credit reports, utility bills, and magazine subscriptions - to name a few sources. The results will vary depending on the information provided by your subject.
o Others Associated with Subject's SSN Results could prove invaluable . . .
o Current and Previous Addresses. Database returns periods of occupancy
o Names of Persons at each address where subject has resided. May include spouses, family members, roommates, and live-in lovers
o Phone Summary
o Subject's Residence, Property Owners
o Possible Properties Owned by Subject
o Possible Associates, Relatives, Neighbors Results of these searches could provide sources of further information.
o National Death Index Source: Social Security Administration Death Master File
Military Locator The U.S. Military Locator file contains names, current military address (when available), branch of service, pay grade code, gender, rank, primary MOS (Military Occupational Specialty Code), active service date, date assigned to current duty station, estimated date of separation and/or date separated for all U.S. military personnel in the Air Force, Army, Coast Guard, Marine Corps and Navy.
Financial Information If you have a judgment or are considering a law suit to collect money you are owed, real property - with the exception of exempted real property - vehicles, boats and aircraft, are the easiest to attach.
o Business Associations & Professional Information An individual's assets are often discovered in the name of a business or partnership.
o Nationwide Property Ownership Records
o Uniform Commercial Code Filings Personal and business collateral are often provided for loans. UCC filings may include the name of the bank that provided the loan(s).
o Deed Transfers Faced with a court ordered judgment, some will transfer threatened property to a relative or friend.
o Motor Vehicles Registered. Source: The Vehicles registrations database provides information on vehicle registrations as recorded by state agencies. May also include vehicles owned by others living at the subject's address. Note: Vehicles could be registered under another person's name. Vehicles could be leased vehicles.
o Boats and Aircraft Ownership Database provides easy access to State Registrations, U.S. Coast Guard Documented Vessels, and Boat Accident Reports from various government agencies.
Civil Court Records Civil court records can reflect a great deal about a person's financial situation and reliability. These filings- liens, suits and judgments - often appear as a "derogatory" on a credit report.
o Evictions Search Conduct a nation-wide search of multiple databases.
o Lawsuits, Judgments and Liens, Bankruptcies Conduct a national search by subject's name.
o Federal Civil and Criminal Courts Search Search all federal courts; all regions. Any one of these records could indicate financial and other difficulties.
Criminal Records In order to conduct a through and complete criminal records search, first confirm your subject's previous addresses, including the counties of residence. All states DO NOT have a statewide criminal courts database. All states DO NOT contribute to a national database. Therefore there is no national database. If not covered, run a hand search in the county or counties of concern. Search federal fugitive files, department of correction (DOC) national convicts database, probation records, and records from state agencies.
o Nationwide Criminal Records
o Statewide Criminal Databases
o Sexual Offender Search Source: Data is provided by each of the states. The information contained in each state is compiled from various law enforcement agencies within each jurisdiction. The accuracy and completeness is believed to be as up to date as possible, however the information received should not be construed as 100% exact.
o OFAC Database Source: The Office of Foreign Assets Control, a government watch office, maintains the list of criminals and terrorists. Collected from databases around the world, the OFAC database was created as a result of the USA Patriot Act.
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Once having gathered as much information on a subject as possible, confirmation of the information is critical. An Address History Search will reveal past addresses and others living at, or who have lived at, the same address. This can also reveal aliases used, plus "also known as" (AKA) information or variations of names used. If none of the data returned match the information provided by or about your subject, this should raise the proverbial red flag. Much information can be gleaned from simple data such as lists of relatives, roommates and associates. Further red flags should be raised if the address search reveals present or past residents of the same age but with different last names -- not including the subject's. Likewise, if the same last name appears, but with different first names, further investigation is clearly required.
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