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PROTECTION - Prevent What You Can

The Importance of Background Checks

Conducting a background check is important in many situations:

  • Employers - to verify information that prospective employees disclose on their applications
  • Homeowners - to check out people who are doing work around your home such as landscapers, repair-people, or cleaning and nanny services.
  • First Dates - to help protect yourself from an undesirable situation
  • and many more.

But one situation, that many people don't think about, is the all-important background check that you do ON YOURSELF!   Just as it is important to know what your credit report says about you, it is also vital to know what a background check will reveal.   If information shows up that is inaccurate, you can try to have it corrected.   Or, at least, you will be able to preemptively disclose this information to a potential employer, etc. and explain why it is inaccurate.

To be safe, you should conduct a background check, on yourself, at least once a year.

Accurate knowledge - properly applied - is power!


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Quote of the Day
"A good reputation is more valuable than money." - Syrus (Publilius Syrus)
Tip of the Day
If you receive pre-screened credit card offers in the mail, but don't shred them after you decide you don't want to accept the offer, identity thieves could retrieve the offers for their own use without your knowledge. Call 1-888-5-OPTOUT (1-888-567-8688) to opt out of receiving these pre-screened credit card offers. The three major credit bureaus use the same toll-free number to let consumers choose to not receive pre-screened credit offers.
Today's Story
"My purse was stolen in December 1990. In February 1991, I started getting notices of bounced checks. About a year later, I received information that someone using my identity had defaulted on a number of lease agreements and bought a car. In 1997, I learned that someone had been working under my Social Security number for a number of years. A man had been arrested and used my SSN on his arrest sheet. There's a hit in the FBI computers for my SSN with a different name and gender. I can't get credit because of this situation. I was denied a mortgage loan, employment, credit cards, and medical care for my children. I've even had auto insurance denied, medical insurance and tuition assistance denied." - From a consumer complaint to the FTC, January 2, 2001
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