Posts Tagged ‘Background Check’

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.

Technorati Tags: , , , , , ,

Mayors Against Illegal Guns Calling for Gun Background Checks

Monday, February 21st, 2011

FixGunChecks.org Truck Starts 2-Month Tour in New York City‘s Times Square

Already more than 250,000 Americans Have Signed Petition to Fix Gun Checks

Truck Visits Newark Today; Pennsylvania This Week; Ohio Next Week

NEW YORK, Feb. 16, 2011 /PRNewswire-USNewswire/ — Mayors Against Illegal Guns co-chair and New York City Mayor Michael R. Bloomberg today launched the FixGunChecks.org Truck Tour in New York City‘s Times Square. The FixGunChecks.org truck features a mobile billboard that will travel the country for two months to draw public attention to the deadly problems in the nation’s gun background check system. The truck features a clock that will toll the tragic count of Americans that have been murdered with guns since the Tucson shooting. Thirty-four people are murdered with guns every day in the United States. The truck tour is part of an online campaign, www.fixgunchecks.org that urges Congress to take two simple but critical steps to fix the broken background check system: 1) ensure that the names of all people prohibited from buying a gun are in the database; and 2) subject every gun sale to a background check. Since the campaign launched in January, more than 250,000 people have signed an online petition and urged the President and Congress to fix the system.

“Every day, 34 Americans are murdered with guns – and most of them are purchased or possessed illegally,” said Mayor Bloomberg. “It is time for Washington to listen to the 250,000 Americans that have signed our petition and take action: since the Tucson shooting more than 1,300 people have been killed with guns in the United States and that number continues to grow.”

“Every single day 34 people in the United States are killed with guns,” said coalition co-chair and Boston Mayor Thomas M. Menino. “The Fix Gun Checks Tour will serve as a reminder to lawmakers and the public that closing the holes in the background check system is an issue of life and death.”

Two Simple Ideas: Send the Records, Close the Gaps

Mayors Against Illegal Guns, a bipartisan coalition of more than 550 mayors, is urging Congress to take two critical steps to fix the background check system. First, the system should contain all the records of those prohibited by law from purchasing guns, including felons, mentally ill, domestic abusers, and drug abusers. Congress should set a goal of getting this job finished within three years.

Millions of records involving prohibited purchasers are missing from the database for the National Instant Background Check System (NICS). In April 2007, the Virginia Tech shooter, who had a history of serious mental illness, was able to pass a background check and buy the firearms he used to kill 32 people because records of his mental illness had never been submitted to NICS. Jared Loughner, the Tucson shooter, was disqualified from military service after he admitted that he was a habitual drug user and should have barred him from buying firearms.  The Army never submitted information about his drug abuse to the background check system.

In the wake of the Virginia Tech tragedy, Congress passed the NICS Improvement Act, which was intended to incent states to submit records of prohibited gun purchasers into the background check system, but Congress failed to provide enough funding to support these efforts, and has not imposed tough penalties for noncompliance. Almost four years after Virginia Tech, ten states have not submitted any mental health records to NICS, and 18 states have submitted fewer than 100 records.

Second, Congress should subject every gun sale to a background check by closing the loopholes that now permit millions of firearms to be sold without them. Today, all federally licensed gun dealers are required to submit purchasers to instant background checks.  But “occasional sellers,” who sell firearms at gun shows, through classified ads, in parking lots or on the Internet, do not have to conduct checks under current law. The Mayors Against Illegal Guns proposal would subject all gun sales to a background check, with reasonable exceptions for transfers of guns within families, through inheritance, or to people who already have a valid gun permit that meets or exceeds the federal background check standards. According to the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF), 30 percent of guns involved in the agency’s illegal gun trafficking investigations are connected to gun shows.

The Fix Gun Checks Tour

The FixGunChecks.org truck will travel across the United States to draw attention to the tragic toll of gun violence. The tour will include events with mayors, law enforcement officials, gun violence victims, and faith leaders who will all come together to keep guns out of the hands of dangerous people. Follow the tour or check on the progress of the Mobile Truck Team at www.fixgunchecks.org.

About Mayors Against Illegal Guns

Since its inception in April 2006, Mayors Against Illegal Guns has grown from 15 mayors to over 550. Mayors Against Illegal Guns has united the nation’s mayors around these common goals: protecting their communities by holding gun offenders and irresponsible gun dealers accountable, demanding access to trace data that is critical to law enforcement efforts to combat illegal gun trafficking, and working with legislators to fix gaps, weaknesses and loopholes in the law that make it far too easy for criminals and other prohibited purchasers to get guns.

SOURCE Mayors Against Illegal Guns

Back to top

RELATED LINKS
http://www.fixgunchecks.org/

Technorati Tags: , , ,

If You Plan to Rent or Get Employed, Make Sure You Acquire a Personal Background Check

Monday, February 14th, 2011

you should conduct a personal background check if you are renting or applying for a jobWhether you are in the market for a new home or looking for an apartment to rent, do yourself a service and get a personal background check to see what kinds of records are out there about you. You might even find that someone else is abusing your good name or there might just be erroneous information in your public records. It might not be legal, but like it or not, many people including landlords and employers, use instant online background checks to scope out potential tenants and employees. If you take care of this process rather than have the person hiring you or renting to you do it, your application will be that much stronger.

Employers and landlords appreciate the extra effort on your part and should they except it, the background you get on yourself will save them time and money as well. Should you conduct a check as a tenant, you’ll be seen as a more honest and mature individual. However, there’s always the chance you’ll be suspected of trying to cover something up. So, the best strategy might just be to run a report and keep it to yourself.

It is extremely simple to get a background check on yourself. However, while there are a number of reputable companies are out there who’ve been performing background checks on individuals for decades, there are far more you don’t want to mess with. If you don’t trust me just yet, simply do some research and ask your friends, neighbors and work colleagues if they’ve ever used one. Chances are, those who have used one will say that the service was junk, which is true for 99% of the options out there. But don’t despair just yet. I have some sneaky news for you.

You see, if you use a popular service that has been around for a decade or more, you will most likely get the same records as the potential landlord or employer. Why is that? Well, they are probably using the same service as you, seeing as they don’t want the hassle of FCRA regulations, etc that would come with a professional service. You see, I have been working with employers for a few years and many simply don’t want to deal with the “headaches” that come with an FCRA compliant background check service. So what they do is scour social media sites and use instant consumer accessible services where there is absolutely no accountability to the person they are checking on (you).

So…in this day and age, a very important reason for doing it yourself is to be able to verify that the records accessible by the general public (including employers and landlords) are 100% accurate. If they are not, you’ll be able to challenge it and have it removed. Unfortunately that road can be very long and hard, so get started now with checking before somebody else does and shoots down your employment or renting chances.

You should also find out how satisfied each of your references were with their respective background check companies. In other words, if you can find out what checking services they used, you should definitely do so. Once you know who they used, a Google search should take you the rest of the way. All you are doing is finding out whether your references used a valid consumer reporting agency certified to do complete background checks, including criminal background checks.

By going the extra mile to obtain your own personal background check you’ll be starting off as strong as you can.

Technorati Tags: , , ,

Instant Background Checks Launched by eVerify

Monday, February 7th, 2011

Boston-based eVerify today announced the launch of a background check service that provides instant access to a person’s criminal record, marriage records and other information.

While technology has made everyone vulnerable to scam artists, criminals and sex offenders, eVerify gives consumers a way to fight back and protect themselves. eVerify is based on proprietary search technology that taps into more than a billion records.

“eVerify not only protects people, it provides peace of mind,” according to General Manager Alon Cohen. “While there is, of course, no guarantee that the person you’re dealing with will be honest, eVerify will identify any potential problem areas. eVerify gives consumers the information they need, when they need it.”

By entering a person’s name, phone number, address or e-mail address into eVerify’s easy-to-use background check system, consumers can learn a person’s complete history.

Simply log in, enter the information, and eVerify will search through multiple databases simultaneously, creating a report that includes a profile page with address, marriage records, date of birth and other information; any criminal records; a listing of neighbors and relatives; vital records; property ownership, and information about the area where the person lives.

A “Deep Web Search” feature enables users to dig deeper, adding information from social media and other online sources to the background check. Customer service representatives are available at no extra charge when help is needed.

Why conduct a background check? Consumers who use online dating services, who are considering making a purchase from someone or who are otherwise putting themselves in a compromising position can conduct a background check to ensure that the person they’re going to be dealing with is a reputable person without a criminal past. They can also determine whether the person is honest by, for example, validating information such as marital status and place of residence.

eVerify was created because of the growing incidence of online crime, including scams and crime relating to online relationships, according to Cohen.

Online Schools found that one out of 10 users of online dating is a scammer, and one out of 10 sex offenders uses online dating services to meet people. In its most recent annual report, Javelin Strategy Research found that fraud increased by 12.5 percent in 2009 and now accounts for $54 billion in consumer losses. Javelin has attributed increasing fraud to online scams.

All inquiries and background checks are 100% confidential. Consumers can sign up for a free seven-day trial on the eVerify Web site at www.eVerify.com.

About eVerify
eVerify of Boston, Mass., was founded to provide consumers with state-of-the-art tools to protect themselves from online scams and criminals. For additional information, visit the eVerify Web site at www.eVerify.com.

Technorati Tags: , , , , , , ,

Employment Background Checks for Consumers

Tuesday, February 1st, 2011

employment background checks are standard and you can get yours from the employerIf you’ve applied for a job lately, you may have been asked to fill out a form authorizing your prospective employer to conduct a background check on you. Here is an excerpt from an employment screening authorizationform:

The report may contain information bearing on your character, general reputation, personal characteristics, mode of living and/or credit standing. The information that will be included in your report include: credit reports, social security number trace, criminal records checks, public court records checks, driving records checks, educational records checks, verification of employment positions held, personal and professional references checks, and licensing and certification checks.

Typically, employers contract with background screening firms that, in turn, get credit reports from one or more of the three major credit reporting agencies: Equifax, Experian or TransUnion. (Employers do not get credit scores. These reports also do not include your date of birth, to help protect against age discrimination.) Employers who want to review your credit reports as part of a background check must get your written permission first.

[Resource: How To Order Your Free Annual Credit Report]

Just because you sign one of these forms doesn’t necessarily mean the employer will check your credit. Only 13% of employers surveyed by the Society of Human Resources Management said they conduct credit checks on all employees. Four states (HI, IL, OR and WA) also have laws that place restrictions on how/when credit reports can be used for employment, and other states are considering similar legislation.

If your employer, or a prospective employer takes any adverse action against you (for example, does not hire you) due to information in your credit reports, you must be notified of that fact and given the opportunity to request a free disclosure of your file.

In addition to credit checks, however, employers may conduct background checks to verify your prior employment history, research criminal records, etc.

There are two nationwide specialty reporting agencies that provide free annual disclosures to consumers under the FACT Act:

LexisNexis

LexisNexis Risk Solutions, LLC, says it is “the leading provider of background checks in North America and conducts background screening for over half of the Fortune 500 companies.” Their Employment History Report can include information about your employment history along with other background information. Note that if LexisNexis has not provided an Employment History Report about you to an employer, you will not have a report on file with them.

The Work Number

According to the work number, their “most popular feature is its employment and income verification service. It is used by… pre-employment screeners, and others who need to verify someone’s employment status and sometimes, his or her income as well.”

Warning: Do not fill out a background check or credit check authorization form online unless you have verified the company and the job opportunity are legitimate. It may be an identity theft scam.

To request your free reports:

Technorati Tags: , , , , ,