A compilation of digitally available criminal information from all reporting jurisdictions in the United States. Contains: Department of Corrections, Administrative Office of the Courts, Sex Offender, INTERPOL, terrorist watch lists, and over 200 other data sources.
It typically takes less than 24 hours to recieve your resluts back from Slacker Screening.
As a general rule, the more information that is provided in the search process, the better. Comprehensive information enables more in depth searches and quicker turn around times. At a minimum, Slacker Screening requires a full name (first/middle/last) and date of birth. A social security number is suggested for comprehensive identity accuracy. All personal information is digitally encrypted and secure.
Slacker Screening encrypts data through (SSL) and encryption technology. No personal information is kept onsite.
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. *For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
• You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
• You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
• a person has taken adverse action against you because of information in your credit report;
• you are the victim of identity theft and place a fraud alert in your file;
• your file contains inaccurate information as a result of fraud;
• you are on public assistance;
• you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. Seewww.consumerfinance.gov/learnmore for additional information.
• You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
• You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
• Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
• You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.
• You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
• You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
• Identity theft victims and active duty military personnel have additional rights. For more information, www.consumerfinance.gov/learnmore.
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates.
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB:
2. To the extent not included in item 1 above:
a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks
b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations
d. Federal Credit Unions
3. Air carriers
4. Creditors Subject to the Surface Transportation Board
5. Creditors Subject to the Packers and Stockyards Act. 1921
6. Small Business Investment Companies
7. Brokers and Dealers
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above
a. Consumer Financial Protection Bureau 1700 G Street, N.W. Washington, DC 20552
b. Federal Trade Commission: Consumer Response Center – FCRA Washington, DC 20580 (877) 382-4357
a. Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050
b. Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480
c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106
d. National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 1775 Duke Street Alexandria, VA 22314
Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20423
Office of Proceedings, Surface Transportation Board Department of Transportation 395 E. Street, S.W. Washington, DC 20423
Nearest Packers and Stockyards Administration area supervisor
Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S.W., 8th Floor Washington, DC 20549
Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549
Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090
FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer Response Center – FCRA Washington, DC 20580 (877) 382-4357
The Slacker Screening National Criminal Search is the standard upon which all criminal background checks are based through Slacker Screening. Containing the SSN trace/address history information, alias search, as well as a national criminal check, this search allows Slacker Screening to know where to look for potential criminal records as well as know the names associated with your applicant’s address history.
The Social Security Number trace uses the applicant’s Social Security Number to obtain address history information, which is provided by an aggregate of databased information provided by credit reporting agencies.
The information provided by the SSN trace feeds those name variations and alias’ into the National Criminal Search populating records provided by hundreds of databases from every state in the US. Information comes from Administrative Office of the Courts, Departments of Correction, Sex Offender Registries, as well as county court record information from cooperating jurisdictions. This search also pulls from a large list of national security and international sources, including INTERPOL’s Most Wanted List and the Office of Foreign Assets Control (OFAC) terrorist watchlist.
The County Criminal Record Search is used to obtain criminal record information from any of the over 3,000 counties in the United States. Record information can be obtained electronically either over a court provided source, or at the courthouse via public access terminals. There are jurisdictions where record information is not electronically available, and in those counties, record researchers are utilized to obtain criminal record information directly from the courthouse. The scope of the information provided is determined by client preference, and limited by state and federal guidelines.
The County Criminal Record Search is utilized to verify potential criminal records found by the Slacker Screening National Criminal Search, or to backfill counties/jurisdictions that do not make record information digitally available. The address history is used to determine which jurisdictions need to be searched.
Federal cases are searched independently of state or county criminal records, as the courts in question are separate of each other. Federal case information is searched electronically from the 94 United States District Courts, and jurisdictions are ordered based on the SSN Address History information captured in the Slacker Screening National Criminal Search. Each district court is ordered separately, and information reported adheres to the guidelines of the FCRA and the preference of the client.
Need to verify the previous employment of your applicant? Slacker Screening will speak directly to the previous employers provided by your applicant, and we maintain account access with many of the employment database services such as The Work Number, Tenstreet, DriverFACTS, and many more. Each employer you verify is ordered as a separate search, and information can range from basic employment information to DOT Employment Verifications.
Slacker Screening can also verify the education history of your applicant. Each educational institution is verified individually as a single search. Information obtained can include the dates of attendance, date of graduation, degree, major, and GPA. International educational institutions can be verified at a higher cost.
Slacker Screening can contact Personal/Professional references by phone or email, and the questions asked are configurable within our system to adhere to your company’s individual requirements. Each reference is verified as an individual search.
Driving record information is obtained from the state of origin electronically, with results populating within minutes for most states. This search provides license validity, suspensions, and driving violations depending on the state in question, with the information provided adhering to each state’s specifications.
Will your employees be working around hospitals or medical clinics? If so, Slacker Screening offers the Medical Exclusions Search, which searches your applicant against federal medical exclusions lists such as OIG, LEIE, SAM.gov, as well as each state’s individual medical exclusions list. The scope of the information provided is determined by client preference, and limited by state and federal guidelines.
Slacker Screening provides Credit checks only on applicants who are working in financial institutions, who will be handling company money or finances, or who will be working in a position where there is potential to commit fraud. An onsite inspection is required for all companies requesting to pull this sensitive information. The credit report information such as civil judgments, tax liens, bankruptcies, credit and payment history, as well as collections records are provided through our platform by TransUnion. A credit score is not available through this search.
This is the most comprehensive national criminal background check available in Canada, including both the National Repository of Criminal Records (CPIC) and an additional search of local police records to backfill missing CPIC data. For Identity verification, candidates can either provide two forms of identification, or can complete the eID process involving credit bureau questions. Turn around for this search can be 2-5 days depending on candidate response and cooperation.
Once you are ready to conduct a background and credit check on an applicant or employee, it is important to follow FTC-mandated steps to ensure compliance. Employers should also check relevant state laws, as some states limit background checks to certain job types.
1. Provide written disclosure to applicant/employee: Before performing a background check or submitting personal information to a Credit Reporting Agency (Slacker Screening), employers must notify the applicant/employee in writing with an explanation of the process. The applicant/employee must understand that the results of the background check will be used as a basis for hiring, promotion, or retention.
2. Obtain authorization from applicant/employee: After disclosing the intent to perform a background check, employers must obtain written authorization from their applicants/employees that acknowledges that the report may be used for employment decisions. If an employer wants consent to screen employees for the duration of the employment period, this must also be indicated in the authorization.
3. Provide applicant/employee information to Slacker Screening: Once an employer has obtained written consent, information about the applicant/employee may be provided to Slacker Screenings. Disclaimer: certain state laws may limit the right to request background checks or credit reports for certain positions.
4. Background check and background report: After Slacker Screening has received the request for a background check, we can begin collecting and preparing a background report. Background reports may include credit history, criminal history, civil judgments, and other personal information on public record.
5. Report is returned to employer and employee/applicant: Once the background report is completed, a copy may be returned to the employer and if requested, to the employee applicant for review.
6. Employer review of background check: An employer may be looking for red flags or issues that could turn up in a background check. Some employers will use credit history to evaluate candidates. If an employer determines that any information from the background report may adversely impact the employment decision, they must follow additional steps to ensure compliance. If no adverse action follows the background check, an employer is successfully in compliance with FCRA.
7. Notification of adverse action to applicant/employee: Examples of adverse action steps include: refusal to hire, failure to promote, or termination of an existing employee. If an employer decides to proceed with an adverse action based either in whole, or in part, on a background report, the applicant/employee must be notified in writing. The employee must also be provided with a copy of the background report as well as a copy of “A Summary of Your Rights under the Fair Credit Reporting Act.” (This process is sometimes called “Pre-Adverse Action” or “Preliminary Adverse Action” or “First Notice.”).
8. Opportunity to dispute information: Employers must give employees ample time to review any disputed information and report any issues with the report to the employer. The FCRA recommends a waiting period of five business days before pursuing adverse action.
9. Re-investigation of disputed items: If any items on the report are in dispute, Slacker Screening can re-investigate those items and provide an updated report to both employer and applicant/employee.
10. Review and finalize employment decision: If an employer has followed all steps in conducting a background check, then an adverse action can be completed. A final employment decision can be made and if that decision is adverse, the employer should send a notice of adverse action to the applicant/employee. This process is called “Final Adverse Action.”.