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Online background check. Does anyone follow you?

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Today, as you probably know, there are literally billions of public records on government computers around the United States that you can quickly and easily access through your home or office computer or even your smartphone. For example, criminal records, real estate records, driving records, marriage and divorce records, charitable records, employment records, and so on.

So there’s a big deal you can quickly learn about this capricious new neighbor or that mysterious friend (or girlfriend) you’ve met online. Or even that potential business partner who came out of the blue.

But what you may not know is that much more complicated online background checks have become commonplace in this country. In fact, you’re probably checking in quite often, without even realizing it. Of course, when you apply for a mortgage loan, you expect your loan to be verified. But did you know that a mortgage company or bank can test you in the background? Did you know that when you visit a new CPA to pay your taxes, it can do the same? Or even the ad agency you want to hire, they can check you before accepting you as a customer. Many companies and professionals now have a research firm on their storage box that can perform online background checks with a few mouse clicks, and you’ll never know. And this is not done only by business. If you are applying to join a social or professional group, you can be sure that the same thing will happen as in many other social or personal situations.

Another thing you may not know is that some major research organizations are not at all hesitant to ask your neighbors or professional colleagues about your character, competence, reputation, and so on. If the results of such conversations can be entered into a computer database. which becomes available to the company’s investigators across the country. It’s annoying at best. Do you think? What if you have an argument in a hotel away from home and the management checks your background online? Are you happy that the idea of ​​managing the hotel has been able to get some gossip about you? In fact, it does happen, although it is technically illegal under the Fair Credit Reporting Law (FCRA). FCRA prohibits investigators from interviewing your neighbors and colleagues without informing you in advance that they intend to do so, giving you the opportunity to object. However, this is done regularly by some investigative companies without notice.

Similarly, other tricks are usually used to gather information about you to get involved in online background checks. One of the best known tricks is to research online social networks and discussion groups to find out if you have profiles or comments online. These days, you have to be very careful about what you post online, especially if you are looking for a job. It can and will be used against you.

How about your medical records? Public access to your medical records is also prohibited by FCRA, and is only restricted to health care providers. But today, some research firms are looking for online access to hospitals and pharmacies, and can immediately prepare a national report of all your medical treatments and prescriptions. Such reports can then be sold to insurers, employers, and various other businesses without notifying you, perhaps as part of a comprehensive online audit.

So public records are just the beginning. Investigative organizations are often reluctant to falsify their laws on state and federal secrecy, often to satisfy their clients, especially large corporate clients. You’ve no doubt heard of an “excuse” when investigators contact banks and other financial institutions to disguise themselves as depositors to verify or verify broker accounts. Some went to jail for it, but it’s still happening.

Did you know that the preface is also used to learn many other types of personal information, such as salaries, assets, personal information, possible defects, such as alcohol or drug addiction, and even chronic medical conditions? All this information can be quickly downloaded from the so-called “Investigative Consumer Report”, which is available online, which will leave you relentless, possibly bringing you to life during your lifetime through your social security number.

The laws of state and federal secrecy prohibit these practices, as I said. But so far, the defenders of our stable position in the Federal Judiciary Committee and in the state governments have been more than zealous in enforcing such laws. The truth of the matter is that in this second decade of the 21st century, Americans need to live with the knowledge that is being observed …. ցանկացած Any negative information disclosed (even false information, news or gossip) can be made available electronically. worldwide, through the most popular online background checks conducted by major U.S. investigative companies, each costing several dollars.

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