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Advice on Performing Online Background Checks -
by: Steve Valentino
Several popular websites are available for background checks online. A few of the most popular are E-Background Check, U.S. Search, Net Detective Plus and Best People Search. These websites offer a variety of levels of investigation, depending upon the employer’s needs. Some of the information gathered is instant, however for more detailed reports, employers should expect a wait from anywhere between 1 and 7 days. Most of the major background search firms online understand the importance of adhering to the strict laws outlined in the Fair Credit Reporting Act. The Act prohibits certain information (i.e. bankruptcies over 10 years old, criminal charges without convictions, etc.) from being considered in the pre-employment process. It is important that employers utilize the services of a competent professional who understands the needs and legal obligations of the company.

Perform a search in any major search engine for the query “free background check”. You will certainly be overwhelmed with the search results and paid advertisements regarding offers for free background searches. If this is the first time you have attempted to perform a free background check, you may be in for a surprise.

Most investigative firms suggest that you outsource the background checks for your company. This generally means that free background checks do not provide the quality information that you need. Free background checks online do not always give the employer accurate or thorough information required by law. While it is true that most people are not trying to hide information from employers, it is those who have a background of avoiding legal action, whether it be child support obligations or criminal action, by moving from state-to-state or even in more extreme cases, falsifying their identities. Because of the easy access to information, it has made the job of ‘con-artists’ even easier. Often times, free backgrounds checks on the Internet are not enough to screen for potential red flags.

Other experts in the investigation field recommend using searches in public records if the search is not of the most sensitive nature or is not necessarily one that has to be completed immediately. Websites that claim the too-good-to-be true advertising that they offer completely free background checks, are not being completely honest. An accurate and thorough background investigation takes time, and lots of it. This is the reason that private investigators charge a fee. They have access to databases and other areas that retrieves information about the prospective employee. It is usually in the best interest of the employer to dish out the $25+ in order to: 1.) limit their time spent on endless searches, 2.) to ensure accurate and thorough information and 3.) gain peace-of-mind that their decision to hire the applicant is a sound decision.

About the author:
Background Checks Info provides detailed information about criminal, employment, online, executive, and personal background checks. Background Checks Info is affiliated with Original Content Web.

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How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.


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