ThatDamnedPanda
Posts: 6060
Joined: 1/26/2009 Status: offline
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quote:
ORIGINAL: AquaticSub quote:
ORIGINAL: Aylee Of course I do wonder. . . are background checks like credit checks? Where if you have too many credit checks done in a certain time frame it negatively affects your credit score? Would having your name ran through a background check negatively affect it? There is some paranoid thinking for this evening! That's a good question and I have no idea. Anyone know the answer to that one? I'd like to know myself. No, they're not. The companies that offer background checks just collect personal data from public records and store it in a database. When you do a check, it simply executes a passive access of that particular block of data. Think of it as a library. All you're doing is taking a book off of a shelf and looking in it. Nobody makes a record in that book of the fact that somebody looked in it. Even credit checks don't necessarily affect your credit score, even multiple checks. They have what are called "hard checks" and "soft checks", and the difference between the two has to to do with the reason the check is being performed. In simple terms, almost any time you actually apply for credit (or even insurance, nowadays), that's a hard check, and it will usually knock your score down around 5 points for up to a year - after which it drops off your record. Soft checks would include you checking your own credit (or a credit monitoring service that you have subscribed to), a potential employer checking to make sure you're reliable, a bank verifying your identity when you open your account, a creditor with whom you have an existing account performing a periodic check to make sure you're not getting into financial trouble. or a credit card company checking to see whether you're financially stable before sending you one of those damned pre-approved offers. There might be a couple of other reasons I can't remember at the moment, but the point is, none of these affect (or for that matter, even show up) on your credit report. Personal background checks would fall into this same category.
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Panda, panda, burning bright In the forest of the night What immortal hand or eye Made you all black and white and roly-poly like that?
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