Corporate Combat - Express/Recommended Employment

Express/Recommended Employment

Credit:
Given the subject's consent/release with the full name, including "Jr. or Sr.", social security number and full address, a credit report from a national bureau is provided. The account numbers, identification of spouse and age are not provided on the report.

This search will provide investigative information such as previous addresses, previous employer(s), payment history, initial date credit was established and number of open trade accounts. This information includes the scope of the applicant's debt obligation and financial responsibility. This search will also reveal any judgments or liens placed against the applicant. This report, along with the criminal and driving reports, can reveal the responsibility and overall general character of an individual.

Individuals under extreme financial pressure or who have a disproportionate debt to income ratio can pose a risk in certain positions.

County Criminal
The county criminal search is delayed due to various county court repository policies and restrictions. The Research Specialist and CCI have no control or authority over such policies and/or restrictions. Sometimes a county will charge an exception fee. An Exception Fee is an additional fee that some county courts will charge to retrieve a court record. Representatives of CCI and their Retrieval Specialists have no control or management over these fees. (The majority of the courts do not charge Exception Fees.)

County searches have a great advantage because arrest and disposition records are initially stored in the county's courthouse. There is virtually no time delay or lack of cooperation in reporting the information to the Research Specialist.

The majority of criminal searches consist of County Level Searches.
A search of the county seat (Provincial Queen's Bench Court for Canadian searches) for any criminal records.
Information returned includes: Felony (CN = Indictable), Misdemeanor (CN = Summary) and Criminal Traffic.

It also may include the individual's name as it appears in court records, date of birth, social security number, address, driver's license number, file date, charge(s), disposition of each charge, sentence and disposition date.

The county criminal search consists of two counties. Where only one county exists within the requested search, a second search for civil judgments is automatically performed. With this search the Research Specialist will also look for addresses or places of resident the applicant may not want you to find. He or she may have a reason such an "omission," or "oversight" (i.e., an employer not listed on the application or resume, or a criminal or civil act that may have "fallen between the cracks.") There are legal limitations on what information can be used by an employer.

First, an employer may not ask about or consider information about arrests or detentions that did not result in convictions. Only convictions and pending cases can be considered.

Second, an employer may not consider crimes that have been sealed or expunged, or where the applicant participated in a special pretrial alternative program.

Third, there are limits concerning misdemeanors. Most employers will ask about both felonies and misdemeanors on applications, but a misdemeanor cannot be considered if probation was completed and the case dismissed, or for minor marijuana offenses more than two years old.

Courts have found that a policy of automatically denying employment based on a criminal conviction or pending case can result in discrimination against certain groups. Instead, employers must examine whether there is a sound business reason to not hire an individual with a criminal record, taking into account the nature of the offense, whether it is job-related, when it occurred and what the person has done since.

Why do we only search seven years back?
CCI abides by the FCRA (Fair Credit Reporting Act) limitations in the information that we report. According to the FCRA, all outsource criminal reporting agencies have a limit of seven years.

Driving Record
Like the county criminal search, the driver's record search is also delayed due to various state restrictions and the Drivers Privacy Protection Act. This report reveals driving violations and convictions. Although used primarily for potential drivers and heavy machine operators, it is also very useful for general screening purposes. It can signal alcohol or drug abuse and helps protect your company's vehicles, equipment and liability insurance coverage.

This search, along with the others, can reveal information that will be a "signal" of the level of responsibility the subject may display through his or her behavior. Frequent violations such as speeding tickets may be an indicator of the level of respect the individual has towards following the rules and regulations of society. Will this person have the same "disrespect" for the policies and procedures the employer will require should the person become an employee? If an applicant blatantly disregards the public policy governing his or her driving privileges, how will he or she view your company's policies and procedures governing their expected work attitude and behavior? Will he or she comply with policy or attempt to get around it?

A report of the state driver's license record of a subject. Availability and legal uses of the reports vary from state to state.

Education Verification
Confirmation of the subject's claimed educational credentials (high school, college, professional, doctorate, or technical degrees). Search confirms highest degree completed or enrolled.

Employment Verification
Given a resume or application, we can verify dates of employment, position(s) held, salary and eligibility for rehire (if not prohibited by company policy.)

Personal Reference Verification
Given a resume or application, we will verify up to three references provided by the applicant. Information returned usually includes: Length of time known, in what capacity, general impressions, strengths/weaknesses, ability to interact with others and reasons for no recommendation.

Social Security Number Verification/Trace
Verifying the information provided by the applicant concerning his or her identity and history of residence is the foundation of any good investigation. Verification of the data provided by the applicant greatly reduces an individual's ability to hide his or her true identity and possible criminal history. Given a name and social security number, we can verify if the number has been assigned to the search name.

Super SSN Trace Plus
Data in this search is obtained from one of the national credit bureaus plus several additional sources. Get the following searches all at once: Subject, Occupants with address history, Relatives with address history, Neighbors, Property by address, Bankruptcies, Death Index, DEA (physicians), Pilot licenses, Aircraft ownership, Bankruptcies, and Property by name & state.

License Certification
Verification of specific professional or occupational licensing required to perform a task.

Advanced Employment

Federal Criminal
A search is conducted within a specific federal jurisdiction for federal criminal records. Will include any felonies and misdemeanors found at the federal court. Information returned is the same as Felony and Misdemeanor.

Federal Civil
Federal Civil actions relate to Federal statutes including EEOC, EPA, Treasury or SEC fraud, Civil Rights, Trademark or Copyright cases etc. as well as civil causes of action that cross state lines with dollar amounts in excess of $10,000. A search within a specific federal jurisdiction that includes federal issues. Information returned may include: Case number, file date, plaintiff(s), defendant(s), type of case, disposition and disposition date.

The federal court system is composed of districts. These districts maintain their own records and the information in one district is usually not mixed with records in another district. When you select a Federal search, you will receive records from the Federal District you specify - not records nationwide. You provide the county or city and state and we will determine the appropriate district to search.

Federal courts have jurisdiction over matters involving controversies between the states, questions of federal law, and controversies between parties from different states in which the amount involved exceeds $50,000. Others matters are to be brought in state courts. Under federal law, it is the requirement of the plaintiff to establish that the court has jurisdiction over the controversy.

State courts typically have a two or three tier system. Each system has a threshold dollar amount, or authority based upon subject matter. For example, small claims courts might have jurisdiction over controversies less than $5,000, municipal court for controversies less than $25,000 and superior court for controversies in excess of $25,000. In addition, there may be rules that establish special courts for certain matters (traffic courts, family law courts, juvenile law, landlord/tenant court, and probate court).

In state court, it is usually the responsibility of the defendant to raise the issue that the court lacks jurisdiction over the matter, (although a judgment from a court that lacks jurisdiction can be challenged in the future).

In addition to jurisdiction, proper venue must be established in both federal and state court. Venue is where the court is located with respect to both the parties involved and the controversy. Venue for a matter is usually based upon residence of the defendant, although with some actions the venue is based upon where the plaintiff resides.

International Criminal
Just like the criminal search in the USA. The subject's history is searched in their respective country (e.g., town, village) and results, if any, are reported to you in the same fashion as any other report. It is imperative that the subject's mother's maiden name be included in the request.

International Driving
Just like the driving search in the USA. The subject's history is searched in their respective country (e.g., town, village) and results, if any, are reported to you in the same fashion as any other report. It is imperative that the subject's mother's maiden name be included in the request.

Sexual Offender
A search is made of the state or county repository for known sexual offenders. Rules vary from state to state regarding the dissemination of this data. Information returned may include: Subject's name, date of birth, social security number, address, race, sex, height, weight, hair and eye color, distinguishing marks, alias(es), FBI and state offender number and offense.

Workers' Compensation
A check is made of state or regional records for evidence of any workers' compensation claim(s) made by the subject. Information returned varies from state to state and may include file or case number, ID information, the nature of injury and date of claim. Turnaround times vary state to state.

NOTE: Use of workers' compensation information is strictly REGULATED by each state. A release is often required. Some states require the release to be notarized. Whether intentionally or not, some states have adopted policies and procedures that create significant obstacles to the use of workers' compensation claim histories in the employment process.

For example, in a few states, claim records are indexed by the employer's name. To check an applicant's claim history, a company would have to search under each of the individual's previous employers. Missing even one--through an applicant's failure to supply complete references or a difference between a company's trade and legal names, for example--could mean an incomplete history.

Even more troubling are the states that index their records by date of injury. To check the state's records, a prospective employer would have to know about any or all claims. In this case, the state's files could not be used to find undisclosed work-related injuries or compensation, and could only confirm the details of claims disclosed by the applicant (type of injury, severity, payments, etc.) The Americans with Disabilities Act (ADA) imposed restrictions regarding when employers may obtain workers' compensation information. The primary condition is that a conditional job offer must have been extended. In addition, the inquiry must be required of all applicants in the same job category.

Several states have enacted laws similar to the ADA, but with more restrictions. The majority of states impose relatively few restrictions for accessing workers' compensation records and organize their files to make access fairly easy. Claims are usually filed alphabetically by claimant. To process a request, the name index is consulted to see if the subject has ever filed a claim. To minimize the possibility of mismatches, the state also requires other identifiers such as date of birth and social security number.

A signed release from the individual being searched may be required.

Business Searches

Business Credit Report
The information returned may include: Executive summary, credit risk analysis, public records, industry comparison profile and trade payment history.

Small Business Report
Risk profile, public records profile and inquiries for the past 24 months.

Corporate Search
A search is made of the state or county index that contains listings of all corporations. Provided with a corporate name, we generally return the principals involved, company officers, date of incorporation, status (active or inactive), registered agent, and registered agent's address.

Fictitious Business
Given the name of the subject, we search the county or state to determine if the subject owns or has owned a business under a fictitious business name. Report may include: Name of business, date of filing, business address and the principals.

UCC
The UCC filing record is of particular interest to lenders. A UCC documents a loan or lease with secured assets, called a UCC financial report. Filing a UCC financial report protects the note holder by helping to insure that the debt is paid. Additionally, it provides that the loan, and assets used to secure the loan are publicly documented. A UCC financial report contains the debtor and creditor's name and address and the asset used to secure the loan. The filing of the UCC notifies potential lenders of assets that are currently being used to secure a loan. (In most states, records of all loans with secured assets, excluding assets consisting of consumer goods and farm and real estate collateral, are filed at the state level.) Additionally, in the case of a bankruptcy, these filings are reviewed to help determine how the debtor's assets can be distributed among creditors.

SEC Filings
A search of the Securities and Exchange Commission's EDGAR database to determine if a company has filings with the SEC. Copies of those filings are a separate search request.

International Business Report
The information returned may include: Legal form of the organization, company history, primary stockholders, authorized signature authority, relationships to other companies, assets, banking relationships, primary business sector and payment history. Turnaround time and price varies, please call.

Licenses & Certifications

Federal Exclusion
A search of a national repository which identifies the names of individuals, entities, and contractors that are excluded government-wide, unless otherwise noted, from Federal Procurement and Sales Programs, non-procurement Programs, and financial and non-financial benefits. Information returned may include: Name, address, city, state, zip, sanction date, sanction type, reinstatement date, specialty, and imposing agency.

Concealed Weapons Permit
Given the full name and date of birth, a search of the state index to verify issue or expiration of the permit.

Medical License Verification
This report searches the state repository to verify a medical license. Information returned may include: Subject's name, date of birth, social security number, type of license issued, date of issuance, expiration date, license number as well as any disciplinary actions taken against the subject including date of action.

Controlled Substance
Provided the subject's name, date of birth and social security number, this search determines whether the specified company or individual possesses a DEA License to administer, sell or prescribe a controlled substance. The information returned may include: Name of company or individual, address, DEA Registration Code, Business Activity Code, drug schedules and license expiration date. Every record is assigned a Business Activity Code that identifies the type of industry the subject operates.

Medicare Exclusion
A search of the national repository that identifies those individuals who may no longer be capable of providing Medicare benefits resulting from a government placed sanction. Information returned may include: Name, date of birth, social security number, sanction date, sanction type, reinstatement date and medical specialty.

Lawyer Background
A search of the State Bar Association is conducted to determine the status of a lawyer's bar credentials.

Physician Background
A search of the AMA Masterfile and all State Medical Boards to determine a doctor's medical schooling, licenses, residency, specialty board certifications and disciplinary actions.

FAA Pilot Incidents Check
Accidents & incidents on record including: Dates, description, source of information, and date of verification.

FAA Mechanic License Check
Search is for type of license, license number, issue date, status, source of information, and date of verification.

Personal Identification

People Locator
Given a social security number or name and date of birth, we can provide current and historical information such as addresses, social security number comparison, information from national records (such as pilot licenses or vessel registration) and some state level information. Information found varies from state to state.

Birth Certificate Report
Search for a copy of the birth certificate. Release is sometimes required. Certified copies available. Turnaround time varies.

Date of Birth
Given the name of the subject, social security number and current resident address, we provide the subject's date of birth.

Death Certificate
Search for a copy of the state or county death certificate issued by the appropriate authority. Information turnaround time varies.

Marriage License
Search for marriage licenses in a specific jurisdiction. Includes the license number, the date issued, the date of marriage and the parties. May include witnesses.

Personal Assets

Mortgage Search
A search of the county records to determine if a mortgage exists, the amount, securer and debtor.

Real Property
A search is conducted of the specific city or county for any property currently owned by the subject. Information returned usually includes: Address, the legal address, owner(s), file or portfolio number, current taxes assessed and current taxes paid.

Vehicle Registration
Registration information of a specific vehicle kept on file by the state.

License Plate Ownership
A search of a tag number in a specific state is performed. Some states restrict the availability and uses of this information. Information returned usually includes: Vehicle Identification Number (VIN), vehicle type, year and owner(s).

Boat Registration
A check of ownership of pleasure vessels is performed. Generally includes the registration number of the vessel or boat, registration date, owner(s) name and address.

FAA Aircraft Registration
A listing of the type, owner, tail number and age of an aircraft by owner's name or tail number is provided.

Civil Searches

Bankruptcy
A search is conducted within the specific federal jurisdiction for records of any bankruptcies. The information returned may include: Case or file number, date filed, type of bankruptcy (i.e. Chapter 11, Chapter 7, etc.), discharge date and name(s) listed as petitioner(s). Bankruptcy courts differ from the civil and criminal district courts in the way they are organized and operated. They have their own rules of evidence and procedures. The bankruptcy court seeks to provide the debtor with both protection and a "fresh start," while also considering the rights and interests of the creditors. Under certain circumstances, creditors may force a debtor into bankruptcy. These "involuntary" proceedings are allowed when it is shown that intervention is necessary to prevent the debtor from squandering assets that should be preserved for the creditors.

TYPES OF BANKRUPTCIES: Although all bankruptcy filings are normally referred to as bankruptcies, the federal bankruptcy code actually provides for five distinct types of filings: *Chapter 7: Liquidations *Chapter 9: Municipal bankruptcies *Chapter 11: Reorganizations *Chapter 12: Adjustments of debts of family farmers *Chapter 13: Adjustments of debts of an individual with a regular income.

These types of bankruptcies are commonly referred to as "chapters" because each type is covered by different chapters of the Bankruptcy Code. Chapter 11 is the bankruptcy form most commonly used by businesses. Businesses that wish to liquidate and terminate their business may also use Chapter 7. Chapter 13 bankruptcy is available only to individuals; a corporation or partnership may not file under Chapter 13. A sole proprietor, however, may file Chapter 13 bankruptcy in his or her own name if his or her unsecured debts are less than $269,250 and secured debts are less than $807,750.

To liquidate personal or business debts, debtors file under Chapter 7. In a Chapter 7 bankruptcy, the debtor's assets are sold and the profits are distributed to creditors. The debtor's debts are completely released.

Chapter 11 is primarily used by businesses to provide some time for temporary relief from creditors. During this time you can formulate a plan to restructure your business debt. For Chapter 11 proceedings, it is strongly recommended that you engage the services of an attorney.

Chapter 13 is used to restructure or adjust debt. The goal of a Chapter 13 bankruptcy is the complete repayment of debts over a period of time.

Official Records Index
A search is made of the county index that includes a book and page number for liens, judgment, satisfactions, financial instruments, power of attorney, deeds and wills. Not available in all counties.

Tax Lien
A search is made at the county level for any federal, state and local tax liens. Information returned may include: File number, address, name(s), date filed, dollar amount and whether the lien has been satisfied. If satisfied, the date of satisfaction. With benefits similar to a credit history or UCC record check, a search to see if a federal tax lien has been filed is advisable before granting credit, hiring, entering into a partnership, accepting a new investor, or entering into any other financial endeavor with another individual or group. Federal tax liens are liens filed against the assets of a subject when federal taxes have gone unpaid. These liens can indicate financial instability, poor judgment and/or bad character. These reports will indicate which type of tax has gone unpaid, the tax period involved, the social security number of the subject, the date the lien was assessed, the last day for re-filing and the balance due of the unpaid tax.

Probate
Search is made of the probate index at the county level. Usually produces case number, file date, relationship to case, name of deceased and closed date.

Civil Lower
These relate to records of non-criminal lawsuits by or against a person or a company filed at the county or federal level. County civil court records are found in either the upper (Superior Court for controversies in excess of $25,000) or lower courts (Municipal Court for controversies less than $25,000), based on the dollar amount of the action. The dollar amount criteria will vary by state and/or county.

Examples of a County Civil search would be divorce, child custody, protective orders, injunctions, debit, personal damages, etc. Some county civil searches require a search of multiple courts depending on that state's court structure. Civil lower normally deals with small claims filings for controversies less than $5,000. Civil Law Defined: That part of the law that encompasses business, contracts, estates, domestic (family) relations, accidents, negligence and everything related to legal issues, statutes and lawsuits, that is not criminal law. In a few areas civil and criminal law may overlap or coincide.

For example, a person may be liable under a civil lawsuit for negligently killing a pedestrian with his auto by running over the person and be charged with the crime of vehicular homicide due to his/her reckless driving. Assault may bring about arrest by the police under criminal law and a lawsuit by the party attacked under civil law. 2) referring to one's basic rights guaranteed under the Constitution (and the interpretations and statutes intended to implement the enforcement of those rights) such as voting, equitable taxation, freedom of speech, press, religion and assembly.

Generally these are referred to as "civil rights," which have required constant diligence and struggle to ensure and expand, as in the Civil Rights movement between 1950 and 1980. Violation of one's civil rights may be a crime under federal and/or state statutes. Civil rights include civil liberties. Civil liberties emphasize protection from infringement upon basic freedoms, while statutory rights are based on laws passed by Congress or state legislatures.

Civil Upper
These relate to records of non-criminal lawsuits by or against a person or a company filed at the county or federal level. County civil court records are found in either the upper (Superior Court for controversies in excess of $25,000) or lower courts (Municipal Court for controversies less than $25,000), based on the dollar amount of the action. The dollar amount criteria will vary by state and/or county.