Credit Bureau Reports
A Social Security Number Search is an index that is utilized exclusively to identify names (aliases) and addresses that are historically associated with a given Social Security Number.
This search also provides a validation of the Social Security Number by verifying that it is a validly issued number along with the year and state of issue.
A verification of names and addresses that have been used by an individual is a "best practices" first step to any background check. An independent verification of this vital information is strongly recommended as opposed to relying on the accuracy of data supplied by the subject of the background check.
A Business Credit Report provides the financial performance for a company as opposed to an individual.
Information returned may include a company overview, trade accounts, payment history, public records and UCC filings.
Provides recorded lien information
Corporate Status & Standing
Provides an examination of a company's state filing, type and current status
Consumer Credit Report (Employment)
A consumer credit report details an individual's financial performance as reflected by one of the 3 credit bureaus, Experian, Equifax or Trans Union.
It includes credit accounts (trades), their current status (current payments, late payments and charge offs, for example), public records and accounts that have been placed for collection.
A credit report is recommended for employees who will have access to sensitive company information, particularly, those with financial functions within an organization. Relevance to job function should be determined before requesting a credit report for employment purposes.
This report is also recommended for employees in Financial Services industries.
Applicant Insight is partnered with Experian, a global leader in consumer and business credit reporting services, to provide detailed credit bureau reports for both individuals and business entities.
Civil Records Searches
Civil Records Searches
Civil Record Searches determine if an individual has ever been involved in civil litigation. Examples of civil litigation include many different types of cases such as restraining orders, money demands, personal injury cases and damages.
Civil Record Searches are available at the County and Federal Court levels.
Bankruptcy Records Searches
A bankruptcy search is performed at the Federal Level and reveals if a person or business has ever filed bankruptcy.
No, federal criminal searches are searches of the U.S. Federal District Courts and are searched by jurisdiction. These searches provide results on suits filed by the federal government such as drug trafficking across state lines, gambling, kidnapping and bank robbery. Federal crimes are also categorized as misdemeanors or felonies.
Applicant Insight reports criminal results for a minimum of seven years and will report more if readily available through the court index or repository. Applicant Insight will not report a charge over seven years if it is unable to determine the disposition of the case.
Applicant Insight provides a National Criminal Insight Search. This searches a compilation of various databases such as county and state criminal databases, sex offender registries and more throughout the United States and is frequently referred to in the industry as a "national search". The clarification is that it does not search every county in every state. Rather, it casts a wide net and may very well pick up data in states that you might otherwise not run.
Applicant Insight will verify credentials, including technical or other training courses, as well as professional licenses such as insurance broker licenses. These two types of searches are done through different agencies, and occasionally the results are not available to the public.
The background screening industry incurs access fees for some of the searches performed. Examples of these are court fees, state driving record fees, automated verification fees, etc. Applicant Insight passes these fees directly to our clients as they occur. Applicant Insight has provided lists of known fees on this website.
County searches provide a narrow scope of search whereas statewide and national searches cast wider nets. The negative aspects to statewide searches is that the county courts may not regularly report case data to the state repositories; some statewide searches have long turnaround times, require high state fees and/or specific releases; and not every state has a statewide repository available to the public. National searches again cast a wide net, but do not cover every county in every state. When thinking about your due diligence, it is generally thought to be better to perform county searches where the applicant has revealed living and developed from a social security trace and then supplemented by statewide and National Criminal Insight searches.
There are extenuating circumstances that can delay results of searches. Typically, these are determined by court personnel or repository agencies. A researcher may be able to easily determine whether an applicant is clear in a court by checking a public access index, but have to submit the search to a court clerk for processing if there is a possible record. It is up to each court and its clerks to determine how quickly the results are returned. Applicant Insight compiles data of courts and jurisdictions where there are known turnaround delays and posts them to this site. Employers and educational institutions may also cause delays due to short staffing, poor record keeping, vacations, summer breaks, etc.
Our researchers will search every name submitted for each jurisdiction. Remember that researchers charge per name searches and so does Applicant Insight. It is fairly common to find records on an alternate name. One way you can limit your cost is to have the applicant identify during what years each name has been used. As an example, you would not run a woman's maiden name if she's been married for thirty years.
Applicant Insight does not employ legal staff and therefore, does not give legal advice to our clients. We have designated Compliance staff on-site who are knowledgeable about the industry, our sources and can answer general questions as well as point clients in the right direction to obtain specific information. Similarly, our senior management team has been in the industry for many years and is always happy to help clients with industry questions as needed.
Applicant Insight services clients nationally and is able to tailor your program to fit your organization through security level access to ordering, review of results, billing, etc.
When deciding what type of employment verification best suits your needs, you should consider what you do with the results as well as how likely you are to get more than a standard answer after all. More and more companies will not allow their management or supervisors speak to outside employers for fear of litigation. Rather, those calls are referred to Human Resources who only reveals the time of service, title, and perhaps whether the person is eligible for rehire. Your success rate for the completion of employment verifications will improve greatly if you determine at the setup of your account that you wish only to have basic verifications performed because we can go directly to HR for the results without trying to catch a supervisor on an often busy floor to call us back. For more information regarding verifications of employment and education searches, please read our Verifications Best Practices brochure.
Applicant Insight utilizes designated quality control personnel that review all results prior to releasing the report to our client. In addition, Applicant Insight utilizes our Compliance Department to perform monthly audits of our internal and external suppliers of information. Similarly, since all disputes come directly into our Compliance Department, any dispute yielding different information than originally provided results in thorough auditing.