How Can I Do A Background Check On Myself

[winter]

Does anyone know a credible company that does personal background checks? Also does anyone know the laws pertaining to background checks in NJ? I know that a new law has passed and I believe it is 7yrs back is this true does anyone know. I want to do my own background ck but I don’t know where to start.

[cbg]

CREDIT checks can only go back 7 years. If NJ (or NY) has a law restricting EMPLOYMENT background checks to 7 years this is the first I've heard of it. There's no such limitation mentioned on my cheat sheet to state employment laws on background checks, and it does mention such limitations for other states that have them.

I don't know of any companies that do personal checks, sorry. But you need to remember that an employer will only get the same results you get when you run a personal check, if they ask for the exact same information you asked for. Not all companies look for the same info; I don't even look for the same info on all employees. For example, I'm not going to ask for education verification on my receptionist, but I am on the head of research and development. I'm not going to run a credit check on the janitor, but I am on my payroll manager. I'm not going to run a criminal background check on my research assistants, but I am on my security guards.

However, some companies might run all three on all of them. And others might not run any of them on any.

[4eyedbuzzard]

You can do a background check on yourself.

The only new NJ law regarding his I know of is the one regarding internet dating services and background checks - http://onlinedatingpost.com/archives...s-legislation/

Typically what is called a consumer report only goes back seven years on negative financial transactions, but other info included on a credit report may show well beyond the seven year period. Convictions can be reported indefinitely under FCRA, but some state laws, like CA limits reporting arrests and convictions to 7 years, may limit on criminal info.

"A credit reporting agency stores information from credit grantors and public records, including bankruptcies, judgments and liens. Potentially negative information, such as missed payments and most public record items remain on a personal credit report for 7 years, with the exception of Chapters 7, 11 and 12 bankruptcies, which remain for 10 years, and unpaid tax liens, which remain for 15 years. A paid tax lien will remain for 7 years. Positive information may remain on a report indefinitely. Paid closed accounts generally display for 10 years. Requests for your credit history remain on your personal credit report for 2 years" - http://www.experian.com/disputes/basics/faq.html#long

Also see: http://ezinearticles.com/?Credit-Rep...ries&id=587717

Public records searches can go back pretty much forever on things that are public info like real property interests, arrests and convictions, tax liens, etc - any recorded document/info is usually available. Government agencies can search even further if warranted - into IRS records, SS records, state employment records, etc. There isn't a lot that is truly secret if the right (or knowledgable) people want to know.

Depending upon why the background check is being done can also affect what is reported. Jobs requiring security clearances often do full criminal, civil, credit, and more including talking to your employer and neighbors. Government job employment investigations can dig really deep if required.

You can get your own free credit report at https://www.annualcreditreport.com/cra/index.jsp
This is the only authorized website, don't use the others who sound alike but will want you to pay.
http://www.ftc.gov/bcp/conline/pubs/...eereports.shtm

[LawResearcherMissy]

Just for giggles, I used a service called Find Out The Truth to learn what background check results look like.

An employment background check is $15.

[seniorjudge]

Just for giggles, I used a service called Find Out The Truth to learn what background check results look like.

An employment background check is $15.

Mexico Countrywide Criminal Record

I'll bet that one is really reliable!