Archive for the ‘Personal Background Check’ Category

Doing a Background Check, Your Homework, and Getting the Blue Prints on General Contractors

Sunday, December 11th, 2011
Doing your homework on contractors

How to prep for your general contractor

In my circle of friends …that I’ve run in the last ten to fifteen years, the standard order of things was: high school, college, girlfriend, house, wife, dogs (starter kids).  Aside of high school and college, the rest could get switched around here or there; but, that was the path we all seemed to have taken.

Logically, as our dogs had been a marked success, the next step would be… children (probably x2), but with another round of graduate school and the twilight of our young adult life dwindling down, we had decided that our little cottage craftsman home needed an update of the renovation style– the design kind rather than an addition to the family kind (either way it was going to be expensive).

Since my spouse was a seasoned HGTV watcher—home of the DIYN (Do it yourself Network), she had no problem deciding what was going to be done, in exactly what color, wood grain, and tile pattern.  She knew that she wanted the lighter maple cabinets in the kitchen to match the mosaic tile, to match the refinished floors, so on and so on.

Her obsession with home design didn’t end with HGTV DIY shows… she watched the programs about the failed contracts and city inspectors. The kind of programs that show how every day people are entrapped by “professional contracts” who cut corners or don’t finish jobs on time (or not at all).

Moreover, each episode exposes inspectors that casually glance over incorrect wiring/plumbing/etc and leave home owners with houses that will cost thousands to fix a few years down the road.

Think of the Holmes on Homes or Holmes Inspection shows (I know, they’re Canadian, but if it can happen in Canada, it can happen here).

At the time, our budget topped off at 30k, a third of the house’s worth at 120k—we knew it was going to be a commitment. I wanted to find someone who was (among other things)… reputable, cost effective, honest, and transparent.  She was more focused on the bottom line.  Together, we made a good team.

But we were like everyone else without much construction experience.  There wasn’t a test all General Contractors (GCs) take that can help the customer choose a good one and avoid the lemons.  Everyone needs work, will bid competitive prices, and knows their company is a small fish in a big pond.  But, to combat this, there are routes to take to check credibility.

There isn’t just one option that will guarantee a good experience with a GC, but combining two or more of the following options will aide in the chances you will have the correct expectations and know what you are getting into

  • An accurate background check will provide conclusive information about the owner.  Choosing a researching company to provide the most accurate information at the best price will save the customer much of the leg room.
  • The Better Business Bureau (BBB) is a good service to use to determine the legitimacy of the GC.  Among many things, the BBB provides consumers to research complaints and reviews about a business.  The best part… it’s free.
  • There are many free websites that offer similar services about local businesses.  Often times, simply Googling a business or contractor will provide a myriad of results.
  • Using websites like Angieslist.com claim that their membership dues (roughly 17 dollars for a year) cover the client from anonymous reviewers, use “certified” data collectors, and have a team that will intercede in the event something goes wrong with a home repair or health experience.  What that means may actually vary, but there is something to be said about reading reviews from non-anonymous reviewers.

When it comes to reviews, it’s tough to know what is good information and what is fluff that a company pays someone to write about them.  Angieslist may have qualified researchers and a team that legitimately helps in the event of a crisis; but, the peace of mind provided by unbiased reviewers (of course someone will likely be biased if he/she is writing a review, but at least he/she will be acting on their own genuine  experience) is what sells me on their site.

  • Check out the homes they have worked on in the past.  Ask for a list of the last ten homes the general contractor has worked on and check them out.  Ask the neighbors if the GC or his Sub-Contractors (Subs) were courteous and didn’t take up all the room on the street.  Don’t look like creepers, but check out the windows, the gutters, or the siding… whatever may be repeated.  Knock on the door of the home owner and ask about his/her experience with the general contractor and the hired subs.

Take those addresses and see how their market value has increased in the event they were sold.  That should give the researcher an idea about how much others have liked the GC’s work and if it increased the value of the home versus the average from the neighborhood, all good information to know for later in the homes life.

  • Take into account the amount of time the GC invested in the estimate. Was he/she on time? Was he/she they polite and take off shoes? Take into account the resources there were brought over to make decisions easier e.g. samples, color swabs, or catalogues.  It’s those little things that can make the difference when the bottle line is similar across the board.

Again, any one of these ideas won’t promise success.  When I had my home renovated, between the two of us, we probably checked off each item on this list.  But there weren’t surprises that took us off guard because of it and our contracting experience was a success.

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Personal Background Check Before Employment When Criminal Records Are a Problem

Thursday, November 18th, 2010

How to Conduct a Personal Employment Background Check.

A job seeker recently wrote to me and presented a rather unique problem that required a little thought, and I thought that more people might have need of the advice I gave him.

His original question was: “Over 20 years ago I was arrested on a warrant from ***** County IL but never went to court. I met with the State’s Attorney and thought the matter was dismissed. I recently found out that I have an arrest record and it is affecting a job that I am attempting to secure. They want me to prove that I don’t have a conviction. How can I find out what the outcome of this situation was since all of the records in Chicago were destroyed? I really need a place to start.”

This is of course a different kind of problem, but there are actually quite a few places where one can proceed with obtaining records. The first place I would start of course is the county where your transgression took place. If a background check dredges up records that were supposedly destroyed, they have obviously not been disposed of. Had they been truly destroyed, then they wouldn’t be showing up and biting you in the wrong places every time you try to get a job.

If you can’t go to the county courthouse yourself and have a little money to spare, I would recommend an on-site county records search either by a detective agency or an online background check provider. Currently, the only online service I recommend for this is eFindOutTheTruth. While USSearch and Intelius offer such a service, they don’t compete on this particular product.

Another thing you can try is a nationwide criminal records search. This is once again a reference check, and won’t necessarily turn anything up. I say this because there are a number of closed-records states, which means they don’t allow automated indexing of their criminal records. So if you do get a criminal records search, make it a nationwide search as there might be something bogus on your records in a different state from where you reside. As an aside note, do not take any special offers from any background check service. All they do is sign you up to a monthly subscription.

If you are willing to spend the money to check if there are criminal records on your records fairly quickly and hassle free, use the ideas above. You can also use the resources offered by the law enforcement in the state where you live, and even the FBI. These types of searches can take up to 8 weeks, but are the real McCoy as far as your record is concerned.

You can also visit the state criminal justice information authority website for the state you live in. Their websites will usually have everything you need to know. Usually you’ll find information on how to obtain your records and how to get records expunged as well. They should also be able to answer any questions you have about submitting proof of dismissal, acquittal, or whatever else you may need for employment purposes. To get there, just proceed to Google and type the name of your state followed by “criminal records”. For example, if I lived in Texas, I would go to Google and type “texas criminal records”. The url will often include state.(two letter state acronym).us if it’s an official state law enforcement website. WHATEVER you do, do NOT go for the free records offers. I was looking around yesterday in preparation for this article and found myself clicking on such a link being offered by a typical scam site. I was very surprised at, because I have been in this business for over 2 years, and thought I was past all that.

The next step, if nothing turns up, is to check your FBI records. There is a chance you have a criminal records on file with the FBI. This wasn’t so common years ago, but these days many state law enforcement agencies report felonies to the FBI, as well as putting them on record in the home state. When I say FBI, I’m referring to the NICS. Since it was only started in 1998, there is the possibility that older criminal records might not be included. However, you should be aware that the FBI maintains a number of records databases as well. You can visit the link below at the FBI’s website for instructions on obtaining your own record: www.fbi.gov.

Hopefully these steps help you with clearing up your own records in the event there is some discrepancy that can’t be pinned down. Or, if you just need to check on your personal history, this is also a good way to ensure you don’t have anything negative on your record. Another step you can take is to check and monitor your credit report and score. Millions of Americans have been turning to credit monitoring in this age of massive identity theft to help avoid a personal catastrophe.

Get started with some very good background check services at the home page.
If you would like to check your credit score or obtain credit monitoring services proceed to EquiFax and get started with a credit report.

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Personal Background Check – Can It Help With Identity Theft Protection Crisis?

Thursday, March 25th, 2010

Reports from the Identity Theft Resource Center reveal disturbing trends in the way identity theft victims are being exploited. Often, victims had no idea their identity was stolen until a disturbing or catastrophic event turns their lives upside down.

It is more important than ever to regularly conduct a personal background check, check your credit report, and monitor public records on yourself or those you care about to help avoid truly nasty surprises…

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