Authorized Reasons to Run Credit

There are many reasons that you can run a person’s credit. The most common reasons are:

Credit transactions which help the lender determine the credit worthiness of the individual for the purposes of a loan, mortgage or credit card;

Tenant purposes to determine the likelihood that an individual will pay rent on time for property to be leased;

Employment credit reports are used to quickly and cost-effectively provide objective and factual information, providing insight into an applicant’s integrity and financial responsibility.

The Fair Credit Reporting Act (FCRA) has set in place specific guidelines that must be followed any time credit is pulled. The individual whose credit is to be pulled must authorize in writing that they are aware and allowing this to take place. Also, the applicant has rights if the information obtained is used to deny credit, residence, or employment.

If there is doubt as to whether it is legal to pull someone’s credit report, confer with your background screening company or a legal team.







New Year, New Laws

new laws

Minimum Wage on Federal Contracts

An executive order establishing a minimum wage for contractors was signed by President Obama on February 12, 2014. This executive order raises the minimum wage for contractors working on Federal construction and service contracts to $10.15. This rate must be paid to workers performing work on or in connection with covered contracts beginning January 1, 2016.

Additional information


States have now passed laws protecting against discrimination of pregnant or nursing women in the workplace. Each state has their own protections that are specific to different types of employers. Many states have also opted to provide accommodations for pregnant women.

See the map for more details

Paid Leave

Balancing family responsibilities and our jobs has become increasingly complicated with both parents working full time in the majority of households. Often times employees come to work when they, or a family member, are sick because they feel they are unable to miss work without pay. Several states have now passed the paid family and medical leave laws. California, Massachusetts, Rhode Island, and New Jersey are the first states to give employees paid leave to care for themselves or family members so they do not have to worry about being affected financially because of missing work. Other states are sure to follow suit as the “Lead on Leave” campaign becomes more well known.

Find out more

Social Media Searchessocial media

Considered to be an invasion of privacy, twenty-one states have now passed laws that apply to an employers restricted use of social media to check out their employees. Research has shown that employers that research their candidates on social media sites often discriminate based off information found on the sites. This information would not generally be known to the employer (religion, children, sexual preferences), and the candidate is then not viewed based on their educational or work credentials. Also, thirteen educational institutions have now made it illegal to ask for access to students’ social media account.

Click here for a list of states that have enacted the new laws

Minimum Wage

Minimum wage rates throughout the country are at an all-time high. Over 50% of the States in the U.S.  now pay a higher minimum wage rate than the federal rate. The federal minimum wage rate sits at $7.25 per hour. Two states, Wyoming and Georgia are still behind, paying below the federal rate. That’s good news for employees and consumers. Are you curious about which states pay at a federal level or higher?

Click here for minimum wage rates

Fingerprinting – The FBI Database

finger-scanHuman fingerprints are as unique as snowflakes. Because of this, the use of fingerprints as an identifier have been in use for over 100 years. In June 1892, a woman named Francisca Rojas was the first person to be convicted by the use of fingerprint evidence. This case paved the way for the world to utilize fingerprints as an identifier. It is still the most commonly used forensic evidence throughout the world.

Even though fingerprints are extremely unique, full examination and classification of the print must be performed. The classification method that was used most often was The Henry Classification System. It has been the influential source for the technology used by the United States FBI to quicken the searching of fingerprint records.

Today the Integrated Automated Fingerprint Identification System (IAFIS) of the FBI, which is a component of the Fingerprint Identification Records System (FIRS) contains fingerprints of nearly 70 million individuals.

Some things to consider-

Unfortunately, not all criminal records have a fingerprint associated with it, and not all state criminal records meet the standards for inclusion in the FBI’s database. While it is still the largest criminal records database, a fingerprint search may not be inclusive of an individual’s complete criminal history. Only about half of all records contained in the IAFIS actually have a final disposition (verdict). Also, it generally takes state/county repositories nearly a month to update records in the FBI database, creating lags and possible inaccuracies among the records.

The silver lining –

Your background screening company has the tools and experience necessary to properly obtain the complete criminal records of any applicant without utilizing the FBI’s database. Identifiers such as name, Social Security Number, date of birth, and past addresses are used instead of fingerprints leading to proper identification.

AAA Credit Screening Services, will always provide the most up to date, accurate, and complete records available.