Want to know what information is out there about you? Performing a background check on yourself can be surprisingly useful, whether you're preparing for a job application, verifying your personal information, or simply satisfying your curiosity. This comprehensive guide will walk you through the process and help you understand what to expect.
Why Perform a Self Background Check?
There are several compelling reasons to conduct a self-background check:
- Job Applications: Many employers conduct background checks. Knowing what's in your report proactively allows you to address any discrepancies or concerns before they arise.
- Identity Theft Prevention: A self-check can help you detect signs of identity theft or fraudulent activity early on.
- Personal Information Accuracy: Verify that the information available about you is accurate and up-to-date. Inaccurate information can impact your credit score, job prospects, and even your ability to rent an apartment.
- Peace of Mind: Simply knowing what information is publicly available about you can provide a sense of security and control.
Types of Background Checks You Can Perform Yourself
There are several types of background checks you can perform, each revealing different information:
1. Consumer Reporting Agencies:
Companies like Equifax, Experian, and TransUnion offer credit reports that include personal information beyond just your credit history. This is often a good starting point to see what basic information is associated with your name and address. You are entitled to a free credit report from each agency annually. This won't be a full background check, but it's a crucial first step.
2. People Search Engines:
Websites like Intelius, TruthFinder, and Spokeo aggregate publicly available data. This can include addresses, phone numbers, relatives, court records (depending on your state and the nature of the records), and even social media profiles. Be aware that the information accuracy varies significantly, and some services require a paid subscription.
3. Court Records:
Many state and county courts maintain online databases of court records. Searching these databases directly can reveal information about any legal proceedings you've been involved in, including traffic violations, civil lawsuits, and criminal charges. The accessibility of these records varies by jurisdiction.
4. Public Records:
Beyond court records, other public records might contain information about you. This could include property records, voter registration information, and professional licenses. Accessing these records typically involves contacting the relevant government agency directly.
What to Look For in Your Background Check Results
Once you've completed your self-background check, carefully review the results. Pay close attention to:
- Accuracy: Is all the information correct and up-to-date?
- Completeness: Are there any significant gaps or missing pieces of information?
- Inconsistencies: Are there any discrepancies between different sources of information?
- Negative Information: Are there any negative entries, such as arrests, judgments, or bankruptcies? If so, understand the context and consider how you might address these in future applications or interactions.
Addressing Discrepancies or Negative Information
If you discover any inaccuracies or negative information in your background check, take steps to correct them. This might involve contacting the relevant agencies to dispute inaccurate information or providing context to explain negative entries. Remember to maintain meticulous records of your efforts.
Important Considerations
- Accuracy is crucial: While these services offer valuable information, remember that they are not infallible. Always verify information from multiple sources.
- Privacy concerns: Be mindful of your privacy when using these services. Read their terms of service and privacy policies carefully.
- Cost: Many services charge fees for access to detailed information. Budget accordingly.
By understanding the process and available resources, you can effectively conduct a self-background check and gain valuable insight into your personal information. This proactive approach can help you prepare for future opportunities and maintain control over your online presence.
