Dating background checks

Have you done an online background check of yourself lately? There might be erroneous information about you floating around the Internet or in your credit report.

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It's also a very good idea to do a background check before taking on a roommate or going out on a date with that new crush you met online.

You never know what sort of worrying or dangerous details could be lurking in someone's past.

Because checking people's background is such a pressing need, there are dozens of ways to go about this. Before I continue, I should point out a tricky fact about background checks.

If you are performing a background check as a landlord or employer - or for credit, medical or insurance reasons -- you can't use just any service.

Under the Fair Credit Reporting Act, you have to use a Consumer Reporting Agency.

A CRA has to maintain certain standards for data protection and offer dispute resolution.

If you do reject a potential tenant or employee (even semi-informal employees like domestic workers) based on a background check from a company that isn't a CRA, you could wind up in trouble.

You can find a fairly complete list of CRAs here on my website.

The list is helpfully divided into categories such as credit reporting, employment history, insurance, renting and so on.

Note that you can request and dispute the information that these CRAs have on file for you.

For checking on potential roommates or romantic partners, you can use just about any service or (legal) method.

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