Contractor Background Checks

Do NOT Sign Contracts With Just Anyone!

Contractor Background Checks can help people make informed decisions before they sign contracts with repair companies including roofers, plumbers, electricians, etc.

Unfortunately there are many people that are out to scam unsuspecting victims. If you need repairs done, always talk to your INSURANCE company first and then run checks on contractors before you sign contracts and start repairs.

During times of crisis such as hurricanes, floods and other natural disasters legitimate repair companies as well as scam artists rush into devastated areas to get work and there is a lot of work to go around. The company you’d like to use may be fully booked and you may want to take the first person that knock on your door to start repairs, but you need to know what your insurance will cover and if those people knocking on doors are legitimate, licensed businesses.

AAA Credit Screening Services can help by running one of the packages below giving you some peace of mind before you start repairs making sure that your insurance money is spent on legitimate and proper repairs and reducing the risk of you having to hire secondary repair companies to fix what the others didn’t.

For available packages, please visit Contractor Background Checks


Prescription Drug Use In The Workplace

Drug testing is an important part of pre-employment screening as well as random testing during an employee’s tenure at the company. Generally, drug screening tests only look for illegal drugs, but in recent history the use and abuse of prescription medications have increased negative effects in the workplace.

According to a 2014 study by the Workers Compensation Research Institute 65% to 85% of injured employees received narcotic painkillers as part of their workplace injury treatment. Being prescribed narcotic painkillers such as opioids can lead to addiction and influence an employees’ performance and affect workplace safety leading to an increase of worker’s compensation costs for employers.

drug screening Standard Drug Screening tests do not test for opioids and other prescription medications and because of the increased risk of prescription drug addiction and abuse, it is recommended that employers expand their drug testing procedures. The National Safety Council has found that 23% of American workers have used prescription drugs for non-medical uses.

Expanding drug testing procedures are especially important when it comes to situations where employers need employees to be “extra” alert, such as driving, in factory settings, refineries and much more. Drug screening are a valuable tool not only for human resource managers, but also for safety managers wanting to make sure that their companies comply with OSHA rules and limit their amount of working hours without a workplace injury.

It is important to find out what types of drug testing is allowed in your state, and make sure that any drug testing programs at your company comply with local, state and federal laws. AAA Credit Screening Services utilizes drug screening companies in your area that will assist you through this process of achieving a Drug Free Workplace. Call our knowledgeable customer service staff now at 888-282-0447 to help determine the appropriate testing procedure for your company.

* Some information obtained through

Statistics on Workers’ Compensation Claims

Running reports on claims can help employers review prospective employee’s records before making hiring decisions.

According to the National Academy of Social Insurance, an estimated total of $62,307,000,000 in Workers’ compensation payments were made to civilian employees in 2014 *.

Workers’ compensation provides medical care, rehabilitationworkerscompion, and cash benefits for workers who are injured on the job or who contract work-related illnesses. It also pays benefits to families of workers who die of work-related causes.

Workers’ compensation benefits are paid by private insurance carriers, by state or federal workers’ compensation funds, or by self-insured employers.

In a study done by the Wyoming Department of Workforce Services, researchers found that the average duration of Worker’s Compensation claims peaked during a period of economic downturn, suggesting that employees who believe their employment outlook is poor, particularly those in states that do not require employers to hold a position for those on workers’ compensation, may have an incentive to stay on workers’ compensation for as long as possible **. top5workers

This exploitation of workers’ compensation can be alarming to employers, as out of the 62.3 billion dollars paid in benefits, only 12.9 billion came out of state funds or federal programs, leaving 49.4 billion dollars to be paid by private carriers and self-insured employers *. Most employers, however, are left in the dark as to their applicants’ past workers’ compensation claims.

For employers who are interested in their employee applicants’ history with workers’ compensation, AAA Credit Screening offers Workers’ Compensation reports. These reports provide the injury description, injury date, filing date, weekly compensation rate, and compensation dates for workers’ compensation claims. The availability varies by state. Signed releases authorizing a background check may need to be faxed directly to the record holder and some states have specific forms they require. All employers should verify they are in compliance with the ADA and FCRA.

Workers’ compensation reports are offered a la carte and in the Executive Screening Package.

Online Databases: What is falling through the cracks

If you want to know something in the information age, it is usually right at your fingertips.
Since we are oncrackse web search away from knowing the life expectancy of a bob cat or the proper way to install hardwood flooring, it may come as a surprise that criminal records aren’t as readily available.

While some courts do have online databases that an employer or landlord can search for criminal or civil records, and there are some databases that compile information from multiple sources, the fact is that the overwhelming majority of criminal records – 70% – are NOT available in the form of online searches. Where does this leave you, the employer or landlord? There are two options: first, you could use a consumer reporting agency, such as AAA Credit Screening, for your criminal reporting. AAA Credit Screening’s nationwide, statewide, and countywide reports include those records you DON’T see in your online searches, with the up-to-date information that you need to make your hiring or rental decision.

The second option is to take a chance – maybe your applicant’s legal history won’t be a part of the 70% of assault, robbery, or other records that fall through the cracks of online databases. However, this is a big chance to take when it is your workplace or property at stake – so be sure to choose wisely.

Differences between Federal and National Criminal Reports

What is the difference between a Federal Criminal Record Report and a Nationwide Criminal Record Report? While these two reports sound like they would contain the same or similar information, the criminal records contained in them are very different.

National Criminal Reports include misdemeanors or felonies committed all over the country. The databases searched for our National Criminal Reports include county courts, police records, state criminal records, and more.

Federal Criminal Reports include crimes that were prosecuted in federal court, such as fraud, drug trafficking, money laundering and tax evasion.

Knowing which report is best for you is an important part of the background screening practice. For more information on federal or national criminal reports, or to find out which criminal report is best suited for your employment or tenant screening process, contact AAA Credit Screening today!

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.


What will show up in a criminal history check?

Taking a look at criminal history checks and the many misconceptions that are tied to them.


  • Nationwide Criminal

Misconception: A nationwide criminal check will encompass all records for an individual though out the country.

Truth:  Although this may seem like logical reasoning, it is indeed wrong. A nationwide criminal check can miss many convictions on a state and local level. There are no regulations that require states or counties to report to a national level, leaving records often missing important information about the individual. The nationwide search will include the state sex offender registry data, but further research is always needed as many of the databases are not up to date. Nationwide searches are most effectively used to “fill in the gaps” for additional state or local searches not defined by current residence.

  • Statewide Criminal

Misconception: As soon as the courts decide on verdict, the record is updated.

Truth: The records are not automated. A state court must manually input the data into the record. Generally the records are updated very quickly, but that is not always the case. Also, not all counties report to a state level, so even if the applicant makes you aware of a specific record in a state, the statewide search may not contain the record. Though this type of search is likely more inclusive of up to date county records than a nationwide, records often lack critical case identifiers, prompting further investigation before a record can be released.

  • Federal Criminal

Misconception: A federal crime, such as bank robbery or drug trafficking, will show up in a nationwide, statewide, or countywide criminal search.

Truth: Federal crimes, also referred to as “white collar” crimes, are reported on a federal level only. With that being said, there is not a federal search that contains records for the entire nation. There are even many jurisdictions or districts within each state that have to be searched on an individual level.

  • County Criminal

Misconception: Every county level criminal record report will always be returned in the same amount of time.

Truth: A county level report requires research at the individual courthouse being searched. Each courthouse has their own set of business hours and days. When attempting to obtain the records from a courthouse, the screening agency will have to work within the hours of availability set forth by that courthouse. Fortunately, when the record does come back, it has already been verified with identifiers that match the applicant to the record. Additional investigation is not required when this type of record is pulled, and provides the most accurate and current source of information.

There are other general misconceptions about criminal reports.

Misconception:  When a record is pulled, an individual’s entire criminal history will be shown.

Truth:  The FCRA governs the reportable information contained in a record as well as the length of time that the information may be reported. Following the most stringent guidelines, only convictions occurring in the last seven years will be reportable. Arrest records, deferred adjudication, offenses before the age of 18, and any offense occurring longer than seven years prior will not be shown.

Misconception:  Records are always correct.

Truth:  There is no guarantee that the record for an individual is 100% accurate. While courts and reporting agencies strive to maintain accurate information, there is always room for error. The data contained in a record is input by hand, and unfortunately no human is perfect. There are procedures set in place by the FCRA to allow for investigation in the event that the information is not correct. If during the investigation, the record is found to be inaccurate, it is changed to reflect the appropriate information.

While there are many more misconceptions concerning criminal reports, your background screening company should always be able to answer your specific questions regarding the subject.