Credit Checks - Credit Reports... Background Checks Demystified Credit Checks used to be part of almost all employment background screening packages. Today they are not.  This has to do with laws passed impacting eleven (11) states (California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, Nevada, Oregon, Vermont, and Washington) requires employers to follow specific criteria in determining if the job duties or position meet specific requirements. California Rules: https://www.shrm.org/resourcesandtools/tools-and-samples/hr-qa/pages/californiaexternalagencies.aspx Many businesses often talk about credit checks and background checks as the same thing. A credit check is only one component of a pre-employment background screening package.  I believe this confusion stems from the fact background checks are regulated by the Fair Credit Reporting Act (FCRA). they are often referred to as consumer reports or credit reports. Credit checks for employment screening cannot include a credit score. What they will show is debts and payment histories, employment and public records such as bankruptcy and judgments.  This means that an HR professional reviewing a credit report must know what to look for as they assess and applicant.  +++++ I am passionate about Risk Mitigation. I want educate business owners on what they can do to mitigate risk in their businesses and how protect themselves from those in their inner circle. I will also be providing some strategic advice on how to be prepared for, investigate and deal more effectively with litigation and workers comp claims if and when they arise. And now a little bit of background on me. I have been an investigative consultant to businesses and legal counsel for over 15 years. I am a license private investigator in the state of California and have testified as an expert in case involving Workers Comp, Counterfeiting and a variety of other civil cases. I own and operate my own Investigative Consulting business here in California and I enjoy speaking to businesses and law firms about current trends in litigation, technology and investigative strategy. I believe that businesses must implement certain strategies to mitigate exposure to Embezzlement, Fraud, Workers Comp Claims, Trade Secrets theft and many other employment related claims. In today’s litigious environment you cannot eliminate law suits, but you can implement practices to reduce overall exposure. Connect with me Twitter: https://twitter.com/tjsantoni Linkedin: https://www.linkedin.com/in/timsantoni Facebook: https://www.facebook.com/tim.santoni Instagram: https://instagram.com/timsantoni/ YouTube: null Google+ http://wwwgoogle.com/+TimSantoni Public Speaking: http://www.santoniinvestigations.com/public-speaking/ Web: http://www.santoniinvestigations.com/