IMI will provide a summary of the credit search report and a copy of the report from the credit reporting agency. This will include verification of names and addresses of individual, employment information if registered with the credit reporting agency, trade accounts, payment histories, judgments, liens, bankruptcies, etc. Federal law requires a signed release for running every credit search. IMI follows all federal requirements according to the Privacy Act and Fair Credit Reporting Act.
Social Security Number Address
Many of our clients will run a Social Security Number Address Trace as tool to find additional names and addresses that may not have been provided on their Consent Form. This is an excellent SSN search tool to accompany a Criminal Search.
This SSN search is used to confirm a new employee’s work eligibility status. IMI is an authorized partner with the E-Verify System, a system run by the Department of Homeland Security and the Social Security Administration.
WHY SSN SEARCH AND CREDIT SEARCH?
As an employer, it’s up to you to determine whether the candidates you interview are telling the truth. In a labor market where resume fraud and identity theft run rampant, this task is becoming complicated without outside help. Recruiters and businesses partner with IMI Data to ameliorate hiring risks with speedy, accurate SSN Search and Credit Search reports.
IMI Data highly recommends pairing every Criminal Record Check with an accurate and complete SSN Search Address Trace. The information provided within your report will confirm that you’re screening the right person, even if candidates attempt to use subterfuge to get the job. Tracking prior SSN addresses may also reveal suspicious patterns that point to issues like stolen identities, mismatched background check information, and illegal immigration status.
A Credit Search provides immense intelligence value in mandated screening industries, such as finance, law enforcement, and justice. Lengthy negative credit histories are a red flag that the candidate in question isn’t financially responsible for cannot be trusted to handle cash. This fact becomes even more evident if the credit history contains a history of bad check cashing, bank fraud, and other serious transgressions.
Hiring for financial management positions, including bank tellers, financial advisers, loan officers, accountants, or Tax Return Preparers (TAPs)? Government legislation stipulates that you must screen all candidates using a full credit search. IMI Data’s Credit Search gives you fast and accurate access to data points like credit score, past payment histories, defaulted loans, skipped credit accounts, and negative banking history. Candidates must have the skills and knowledge to handle personal finance issues before you give them the power to work on behalf of clients.
Navigating complex Fair Credit Reporting Act (FCRA) guidelines can present recruiters with a veritable minefield of potential liability issues along the way. Businesses who partner with IMI Data often identify compliance as one of the most critical risk management features in screening. We prioritize FCRA, state, and federal compliance issues to eliminate potential risks before they occur.
When screening candidates, determining exactly when and who you can search is just the beginning. Businesses must also follow mandated Pre-Adverse and Adverse Action protocols, especially if you refuse to hire based on negative results. Special positions and industries may create further limitations and legal requirements as applicable to pre, mid, or post-screening procedures. IMI Data streamlines FCRA compliance and adherence with built-in guidance and protective system measures.
IMI Data’s Intelligent Integration System contains fail-safe compliance protocols and measures that adequately prevent accidental non-compliance. Each time you run an SSN Search or Credit Search, the system will cross-check your order for red flags. If there’s an issue, either the system or an IMI Data specialist will connect with you. We work with your business to achieve point-to-point compliance, whether you’re checking basic SSN Search information or full credit reports.
The FCRA also stipulates that all candidates have the right to request or dispute their own background check results. As an employer, you are required to accommodate such requests provided the applicant requests the information within a reasonable amount of time. IMI has experience handling sensitive situations like stolen identities, mismatched information, and user input errors. We are dedicated to helping your candidates resolve minor result issues in a timely fashion. Prospective employees need only visit our website to request a copy of their report or dispute results within it.
E-VERIFY VIA HOMELAND SECURITY
As an E-Verify partner, IMI Data Search provides businesses with access to both Social Security Administration and Department of Homeland Security databases. This system is of immeasurable benefit to Federal Contracts Affected by the Rule (FAR) employers, including government and civil organizations.
Recruiters operating for a FAR-registered business are contractually obligated to use the E-Verify system to confirm that candidates are legally eligible to work in the United States. This rule applies to most, if not all, federal contract positions and organizations, including law enforcement, the U.S. Department of Justice, and most government intelligence agencies.
E-Verify isn’t just for government offices. Businesses at every level who use E-Verify significantly reduce the risk of bad hires. IMI Data’s integrated E-Verify search cross-checks candidate information against millions of government records in mere seconds, reducing waiting time periods when recruiting. That’s why approximately 1.9 million hiring sites all across America rely on the E-Verify system in the first place.