Is a Social Security Number the main element to unlocking a person's criminal history?
The Social Security Number (SSN) is really a unique number that actually should be used to track an individual's criminal history, but it's not, because that is not its purpose. In the U.S. a person's Date of Birth (DOB) is the principal identifier used in determining their download criminal history.
The initial intent behind the SSN was as a way to distribute advantages of the Social Security program that was created in 1937. It wasn't until 1961 that the Civil Service Commission adopted the SSN as a federal employee identifier and the Internal Revenue Service didn't ensure it is an official taxpayer ID until 1962. Therefore, that you do not desire a SSN to operate a criminal background check, however you do need one to operate a credit report.
What're the 3 biggest credit report myths when applying for employment?
One: Most applicants'think that collections will automatically fall off after two years. Most collections and charge-offs will fall off after two years, but don't expect the 3 main credit bureaus (Equifax, Experian and Trans Union) to consider that. Make sure you give them a call to remind them and submit documentation to insure that information is removed after 24 months has passed.
Two: Chapter 13 bankruptcy stays on your own credit declare 7 years and Chapter 7 stays on your own credit declare 10 years. However, tax liens and child support will remain on your own credit file indefinitely until they're satisfied. Additionally, you can't discharge tax liens, child support or educational loans in a bankruptcy.
Three: An employer legally should only pull your credit file when it is germane to the position that you will be seeking. If you're apply being an accounts payable clerk who is handling checks, then it is permissible beneath the Fair Credit Reporting Act (FCRA) to get into the credit file. Not too, if you're a receptionist doing light clerical and administrative work.
Will there be any such thing as a "National" criminal check?
I'm sorry to say, but a national criminal check doesn't exist. Lots of background check companies often use misleading words like "National" or "U.S." to spell it out their databases. Movies have sensationalized the "uber" database with a press of an integral a dossier appears from birth to provide day on the subject in just a nanosecond. Even though FBI is attempting to produce an "uber" database, currently there's no public database that'll check every jurisdiction in the U.S. simultaneously. Even the National Crime Information Center (NCIC), which is really a protected government database, has its flaws.