New Requirement for NSAs - Background Check

More and more, we, as a nation, are becoming ultra-concerned and extremely protective of personal data and personal information. Identity theft, depending on who you believe, is either running rampant in our country or not as prevalent as we have been led to believe. Still the ?powers that be? appear to be pushing for getting a handle on verifying the identity of all Notary Signing Agents. Some will see this as progress, while others tend to view it as a continuation of the Big Brother Syndrome.

In any event, for those who haven?t been updated, here?s what is transpiring now. Some lending institutions, banks, title companies and signing agencies are requesting that some of their ?employees? and ?service personnel? involved in the lending process undergo background screening and compliance training. Pretty much any individual that has access to the financial information of borrowers must submit to a background check. The ?kicker? here is that they also have to pay for it - more on that later! Notary Signing Agents fall right in the middle of that group. This sudden requirement is based on their loose interpretation of Gramm-Leach Bliley Financial Services Modernization Act.

While the members of CD&C Business & Legal Form Processing Services, LLC (?CD&C?) have yet to be required to provide certification, there have been such requests of some of our subcribers from various lending agencies and signing companies. However quite a few questions are emerging as to the sudden rush to have the certification done and as to whether it is necessary to do it. Also, the cost of doing this certification ranges anywhere from $9 to $150. Based on our readings, the general consensus is that there needs to be a definitive ruling on whether or not the requirement was supposed to be applied to ?contractors? such as NSAs.

When is it going to be a requirement for signing companies/title, escrow and various lenders to submit to background checks as required of the NSA to help prevent fraud? Maybe, if there was a requirement, it would reduce non-payment to signing agents. It would be harder for a ?Mr. Joe? to open shop for a few days, close shop and re-open under a different name; all the while refusing to pay NSAs. There should be a list/system where reputable companies are listed to help the NSA weed out the bad companies. The NSA will be put on a list/system where the title companies will only hire the NSA who have had the background check and are certified. No system is perfect, but it can help to reduce the NSA?s risks.

Why do NSAs have to pay for the background check? The title companies are requiring the background check, so why shouldn?t they pay for it? Can the NSA purchase the background check without certification? Are they willing to pay an increased fee for advance education now that we are certified? Another expense added and we are still being underpaid or not paid at all?

Until that can be established, we recommend that you think long and hard about forking over your money. And if it turns out that we actually do need to have our certification, then we should discuss all options so as to have the most cost efficient service available.

By CD&C Business & Legal Form Processing Services, LLC,

http://www.cdcformsprocessing.com

Leaders in business & legal forms processing and notary services.

Background Check: Be Prepared for What Future Employers Might Find

Do you know what to expect when applying for a new job? Most job seekers are under the impression that employers only check the references listed on your resume or application. This is an inherently false assumption. A recent People Search News article reported that more than 80% of all business now performs comprehensive background checks on all potential employees, compared to less than half that number 10 years ago. Also, the size of the business does not necessarily determine if a pre-employment background check will be performed.

"Many companies, regardless of size, now use online data brokers to perform background checks on employees. Employers can get a comprehensive background report in less than a minute for under $40. This is not only cost-effective, but extremely convenient," said People Search News.com editor Guy Dubleche.

Employers can also not rely wholly on the interview process or references listed on a resume or job application to gauge a prospective employee. Therefore, a majority of employers are using online background checks to gauge a prospective employee's character and work ethic before making the decision to hire them.

What is in a Background Check?

First off, many people like to associate the term "background check" with criminal records. True, if a person does have a criminal background that information is likely to show up on a background check, but a comprehensive background check contains much more information than that.

According to the Web site PeopleFinders.com employers can obtain the following information when performing a background check:

? Age

? Addresses and phone numbers (20 year history)

? Real property ownership

? Aliases and maiden names

? Known associates

? Possible relatives

? Neighbors

? Marriage and divorces

? Bankruptcies and liens (judgments)

? National criminal records

? Employment history

How do Employers use this Information?

Employers use the information in background reports to get a picture of your character and trustworthiness. Besides the basics like past salary verification, work history and address history, employers can make general assumptions about your character based on information found in a background check. For instance, bad credit or late payments may lead some employers to believe that you are un-reliable. Also, employers may look at your address history and work history to determine if you are stable individual.

Before performing a comprehensive background check on a prospective employee, employers must get the written consent of the candidate. Also, by law, anyone using information from these reports as a reason for denying you employment must tell you and give you the contact information for the agency from which the report was obtained. You can use this information to dispute any inaccurate information.

You also have the right to request a copy of your background report from the company performing the check. It is a good idea to hold onto these reports for future reference whether you were hired or not.

It is also good practice to obtain a copy of both your credit report and background report before interviewing for a job. Knowing exactly what appears on both your background and credit reports will ensure you are fully prepared to answer any questions that may arise from a prospective employer.

So, what can you do?

Though no one has a crystal ball, you can increase your chances of getting a great job and rewarding career by keeping up-to-date on the information in your credit and background report. This way, you can dispute any unnecessary items before your interview with the background check company. In addition, if you know you may have had some credit or background troubles in the past, it is best to be up front with a potential employee about it.

Founded in 2006, People Search News is a Sacramento, California based non-commercial online source for people search and people finder related news and information.

Find Background Checks, Public Records

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Protect yourself from Identity theft, find fraud & alias records too

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How To Perform A Background Check

There are various reasons why background checking of certain individuals or companies has become necessary. The reason may be as simple as a verification of the credentials of a newly appointed executive in the office. It may be as complicated as digging out the criminal past of a dishonest businessman. A background check helps in affirming the credibility of certain person or confirms the certainty of some rumors relating to the performance of certain business house. Thus when you are looking for the source of information for your investigation, you should be guided by the context and circumstances of the investigation, and not by convenience or cost factors.

Background check is a form of investigative research and there is a wide range of databases to help you find the necessary information. There are a variety of databases such as specialized databases, and regional and government databases that may be helpful in searching for different types of personal as well as public information. Then there are several research agencies that will supply you with the necessary information for a price. The most renowned among them are LexisNexis, Westlaw, ChoicePoint Online, AutoTrackXP and Accurint, which specialize, in various kinds of public records. For example, if you are tracking the address of a person over the past several years, Accurint will be able to provide you the most comprehensive information about address histories. But if you want to look up some incident in the recent past, then try AutoTrackXP's database.

In a democratic country such as the United States, the public theoretically has the right to access the government records that may seem relevant to their business. However there are restrictions on how you are allowed to use this information. The investigators who perform the background checks, therefore are required to be familiar with the various laws governing the accessibility to various public information and their permissible uses. The provisions dealing with the permissible uses of different information change with each state. However, most of the laws generally allow access to the information intended to be used for litigation-related purposes.

Up to this point so far, you have identified the context of the research, and you have identified the possible sources of information and the permissible uses of those sources. The next step involves obtaining personal identification information including name, date of birth and Social Security number. Your client may have already provided this information; even so it is your responsibility to verify them. You should also investigate the places where the person had lived and done business previously.

After you have obtained and verified the personal identification of the person in question, you can now proceed to other aspects of the investigation. For example, if you are checking the credentials of an executive, you should then look into his educational background and past employment history. Or if you are verifying rumors about the shady past of a certain person, you should start by checking for any criminal record.

Run a Background Check at Background-Check-Pro.info to check someone's background.

Criminal Background Check Get it Quickly Online

How often have you been searching for a phone number or address and seen an advertisement for a criminal background check? This tool that was once available only to law enforcement officials is now available to anyone who is willing to pay for it. Think it's all a bogus ploy for money? Think again.

Criminal background checks can be used by businesses and individuals for a variety of purposes. Some of those reasons are commonly understood. A daycare, school or after-school program will likely run criminal background checks to be sure that workers have no history of child molestation. While it's not a foolproof method of being sure that children are safe, it is a step in the right direction. By the same token, nursing homes and retirement centers may run a criminal background check to eliminate workers and volunteers who have known violent tendencies. Hospitals and doctor's offices may use criminal background checks to look for drug abuse, since workers will likely have access to drugs on the premises.

There are some other reasons for a business to run a check. A company may choose to run a criminal background check on every applicant before offering a position in the company. This is particularly important in some industries. A company that makes airplanes, for example, will probably want to be sure that employees are not associated with any terrorist groups and that they have not been involved in any terrorist activities. A meat-packing plant may run a background check to be sure that potential employees are not animal rights activists looking to create issues for the company.

Neighborhood organizations and individuals may also run criminal background checks on those living in the area. While some say it's an invasion of privacy, finding out that a new neighbor has been arrested for assault or that he (or she) has been involved in a child abuse case allows the neighbors to be alert. It's not possible to always prepare for every possible situation, but information like this can be what it takes to keep children and families safer.

So how do you run a criminal background check? You'll find plenty of online sites ready to offer the service. Take time to evaluate the company offering the information before you sign up. Remember that these checks typically aren't free, so be sure of what you're going to get before you pay. You should also keep in mind that there are some free online sources of information. Your state department of corrections may have information if you know that someone has been in prison, and sex offenders will be registered with your local police department.

Bob Benson is the founder of Background checks online. We provide information on Criminal Background Search