Pre-Employment Credit Check (Fair Credit Reporting)

• Verifies addresses
• Last two employers reported
• Aliases
• Bankruptcy, child support, tax liens, etc.

Myth: We don't need to check credit; we're not credit grantors.

Is this report about money? Yes, and no. There are a lot of things we consider before we worry about those bills.

• Addresses are important!
• Do the employers reported on this report differ from what is claimed on the application?
• How many names does this individual use?

The candidate has the right to be presented with his or her report if there are derogatory incidents that the candidate refutes. This is the essence of the Fair Credit Reporting Act.

Motor Vehicle Records Indicate:

• Last reported address
• Date of birth comparison
• DUI's and tickets
• Whether or not laws are obeyed

Myth: We don't need driving reports: he doesn't drive the company vehicle.

That may be, but there is a lot of information that this report provides, as shown above. What if a person runs an errand for the company and gets in a wreck, without proper insurance or license? Who do you think will be responsible? Yes, most probably the employer; it is just part of the "deep pockets syndrome" in today's system.

Over the years we have found that non-productive or problematic employees often have red flags in the driving department. Parking tickets not paid, court appearances missed, petty violations: so-called harmless behavior. A Motor Vehicle Record check will put you on the alert for similar activity on the job.

Social Security Trace

• When and where the number was issued
• Who is currently using the number
• Addresses associated with the number
• Useful in checking intrastate applicants

People who use several numbers have something to hide. The discovery of multiple number use should always be followed-up and challenged.

Each state has certain digits and sequences. When numbers are altered, which happens surprisingly often, many people unwittingly make changes that immediately render the card bogus.

The Xukor social security trace alerts you to that possibility and also indicates any and all incidental use of the number. Criminals may have used several numbers depending on their alias, etc.

Workers Compensation Report

• Where available, helps reduce claims
• Alerts management to chronic abusers
• Identifies pending or past claims

This information makes one think about the saying "An ounce of prevention is worth a pound of cure."

If your particular state allows workers compensation records check, it is very worthwhile information and is vital to holding down your claims. The repeat offenders are the ones that are clogging up the system. It is this risk that you want to avoid.

If employers carefully check this part of a worker's past, they save themselves untold grief and expense.