History, Background Checks with an Address History Trace

It is possible to do a large number of background checks on people that you may need to learn more about. They could be potential employees, individuals that may have a tainted history, one that you may not want involved with your business at all. On the other hand, that information that is provided may help you understand why this is the perfect person for the job. It’s even better when you can obtain a simple personal address history trace to see where they have been over the years. In some cases, it can be problematic if the person applying for a job has lived in areas of the world that would potentially compromise the business that you are in. Here is an overview of the history of background checks and why doing a quick address history trace might be so beneficial for your company.

The History Of Background Checks

The origins of doing background checks began with a need for risk management. Since employees and employers will be working together, it’s important that the employer understands as much as they can about the individuals that they will be paying. If they have a history of criminal behavior, or if they are responsible for unpaid punitive damages, this is an individual that may not be the best choice for the job. As time progressed, it became easier to do background checks. Many of the things that we do in life have a paper trail. This paper trail is digitized, and with the right software, you can easily follow the path that a person has taken over the course of years or decades which may paint a picture of the type of person that they are.

Why You Need This Type Of Information Quickly

This type of information can be essential if you are hiring people rapidly, perhaps for summer jobs that are coming up, and you need to get access to this info rapidly. By doing so, you can maintain the reputation of your company, enforce a safe working environment for all of your employees, and deter the potential of theft or fraud happening on your watch. If you do get the right person, this can also reduce the overall turnover rates that many companies in your industry may experience. If any individual has provided false information, it will be displayed quite prominently once the background check is done. It should also be noted that insurance underwriters will be interested in this information. They may not insure your business if it is populated with people that have a reputation for violence that can lead to liabilities. There are also different types of background checks that you may want to run on people that like to work for your company.

Different Types Of Background Checks

There are several different types of background checks that you can do. First of all, identity verification checks are very popular. You can do a quick Social Security number trace that will provide you with a lot of information. You can also check their criminal history by looking at federal, state, and county records. If they are a registered sex offender, that will also be noted, and you can also verify the type of education that they are claiming to have. Employment verification may also involve a preemployment drug test. If you need some or all of these done, they can be completed within days, and sometimes within hours.

Why An Address History Trace Is So Important

This type of background check is providing you with a linear diagram of where a person has been over the last several years or decades. Younger people will have a much more mediocre report by comparison to those that are older and may have moved to, and lived at, different locations. If there is an obvious pattern of moving, perhaps every six months, this would likely be someone you would want to avoid. However, if they are new to the area, but they were a resident of the previous location for many years or decades, it is likely that they are not running from anything that may be representative of a liability for your company.

Doing address history traces and historical background checks is so important if you are hiring new people into your business. You never know who a person is, or what they really represent, until you have this information. By taking a few minutes to evaluate potential employees under this premise, you will see why it is so helpful. After you have received all of the background checks and the verification of their address history, you can make a quick determination as to whether or not each individual will be the perfect fit for your company this year.

Matt Bingel
Matt Bingel
Matt is the owner of publicrecordsreviews.com. In addition to blogging about public records industry-related topics he runs an online advertising agency.

Bail Bond Tips and Bail Process to Get Someone out of Jail

If a family member or a friend of yours has been arrested, you would want to know how to go about obtaining a bail bond in order to get them out of the jail. If you are not aware of the bail bond process, this article will help you understand the process of bail bond and more specific for bail bonds in riverside and how things work for people who want to get their loved ones out of the jail.

Bail Bond Process

Simply put, the bail is an amount of money that is required to be paid by the defendant in exchange for release from jail. It offers a financial leverage to make sure that the offending person keeps appearing in court. The bail amount is returned in case the person keeps appearing in court as scheduled but the amount is forfeited in case the offending person fails to appear in court.

As far as the amount of bail bond is concerned, it is determined by the judge. When the bail amount is set by the judge, a person has three options including staying in jail until the scheduled court date or paying the bond in full on their own or hiring the services of a bondsman for assistance.

Process of Getting Someone Out of Jail

When you start searching for a bail bond agency, you’ll find there is no dearth of companies offering bail bonds. However, it does not mean that you could go to the first company and use their services for posting the bail bond. You need to be smart and do your research in order to choose the right company. Here are a few tips to help you make the right choice and get your friend or your loved one out of the jail.

When you are choosing a bail bond agency, it is important for you to ask around and choose a company that has a good reputation and also fits your needs. Search for their name online using your favorite search engine in order to check their reputation. Also, take a close look at some of the testimonials on their website as well as their experience in the field. It is also important for you to keep in mind that not all the agencies are allowed to issue all kinds of bonds as there are certain agencies that are allowed to issue bonds for only a particular type of crimes.

You will also have to place a collateral. This information might be available on the website of the agency but if it’s not mentioned there clearly, you should give them a call and ask them about the type of collateral you will need to place. In many cases, you are allowed to use a credit card but in other cases, you might also be allowed to use some high-value items such as jewelry, your car or your home and other such things. Keep in mind that you will have to pay a premium.

Once the bail bond has been posted and the individual is out of the custody, they will need to get in touch with the bail bond office as quickly as possible. They will need to fill out some paperwork and the bondsman will explain them the rules, regulations as well as obligations they need to follow. Some of these include weekly phone check ins, payment guidelines and other such things.


Overall, the bail bond process might seem like a complicated process, but a good bond agency should help you understand everything you need to know about this process and how you can use their services to get your loved one out of the jail as quickly as possible. So, do some research and choose a reputed bail bond agency when you need one.

Patricia Vazquez
Patricia Vazquez
Patricia Vazquez is the owner of Access Bail Bonds and has been in the bail bonds industry for over 20 years. Patricia Vazquez understands that all of our clients have different bail bond cases, so their needs are different. Access Bail Bonds Riverside will make sure that we treat each bail bond client with honesty and meet every standard that comes with their needs. Patricia Vazquez started as a clerk for a bail bonds company. Through hard word and dedication, she worked her way up within the bail bonds company and eventually opened up her own bail bond company in 1998. She understands the needs of every client and she has trained her bail agents to have the same exact regard. Access Bail Bonds will work all day and night if that's what it takes to get your loved one out of custody and to resolve their bail bond cases.

Are Payday Loans Really as Bad as People Say?

If you have ever thought about applying for a payday loan, the people around you may have advised you not to fill out an application for that kind of loan simply because they have received a lot of misinformation. There are many people who will tell you that payday loans are the worst things you could ever try to get when you are in a difficult financial situation, but that is not exactly true. While you will be expected to pay the money back within a reasonable amount of time and you will have to pay some interest, there are a few ways to make the most of a payday loan, especially when you need it because you are dealing with a serious financial issue.

Finding a Trustworthy Company

One of the most important decisions you need to make when you are thinking about applying for a payday loan is which company to go to for the financial help. Of course, some people have bad experiences with certain companies, especially the companies that charge tons of fees and cause more of a financial strain for borrowers in the long run. However, not all of the various payday loan companies are the same, so you need to start checking out the companies, see what others are saying, and research their rates to figure out how much money is added on to the amount you need to borrow when it is time for you to pay that money right back.

Understand the Terms You Are Agreeing To

Sometimes people have bad experiences with these types of loans because they needed the cash so badly that they rushed into filling out an application and agreed to everything without carefully reading through and reviewing the terms of that agreement. No one wants to deal with hidden fees and negative surprises, but that can happen if you are not reading through all the fine print. You need to know what you are going to be charged and when you are going to be charged so that you can decide if it is worth it to take the loan out or not. When you understand the terms you are agreeing to, you are less likely to feel frustrated with the payday loan company.

Do Not Request Too Much

Because payday loans are short-term loans, you should not request too much. If you are requesting thousands of dollars that you know you are still not going to be able to pay back, even after you get paid, you should request a bit less. When you request a lot and have to deal with those high interest rates, it can become a bit challenging to pay everything back, and then you can get into debt with the lending company, causing more stress for you to deal with that you should not have to deal with when you were simply looking for a solution that would help your situation.

Understand the Benefits

Payday loans are not always bad, despite what some people may think. While there are other people who may think negatively about these types of loans, the truth is that these convenient options can come in handy and save the day at times when you need cash for something truly important and you do not have it. The loans are simple to apply for and are easier to obtain than a lot of other loans that come from other financial institutions, including local banks. The process is often as simple as completing an application online with some details about yourself and your work history and then receiving an approval or denial right then and there.

Because these loans are often provided in a matter of hours or even the span of just one day, they may be used by people who are in desperate need of quick cash yet know that they will be able to pay it off little by little each time they receive their paycheck. With that in mind, a payday loan is something that could help you when you are in a dire situation, so you should never let the opinions of others prevent you from applying for something you feel you might need at some point.


How Will Bankruptcy Affect My Credit Score?

When we find ourselves in a situation where we are considering bankruptcy, it is usually our last option we consider. We may have been experiencing financial difficulties for quite some time and it doesn’t matter how hard we try, we just can’t seem to dig our way out of it. It seems as if bankruptcy is the best option to hit the reset button and to give us a fresh chance at life. There are often questions that are asked about filing bankruptcy, which are best to ask a bankruptcy lawyer. And the following article is not intended as legal advice. We’ll just look at the topic of bankruptcy and how it will affect us, including how it will affect your credit score.

Avoiding Bankruptcy for Fear of Effect on Your Credit

Bankruptcy would almost seem like the easy way out, but most people are afraid of the effect that filing bankruptcy is going to have on their credit. You really need to take a look at the bigger picture, however, and decide if it is the best option for you and whether you are doing yourself any justice by not filing for bankruptcy. It is often necessary to crunch the numbers and sometimes, it is best if you get a professional involved in the process. They can help you to make the right decision and choose the best course of action for your personal needs.

As far as your credit score is concerned, bankruptcy is going to stay on your credit report for quite some time. That time may vary to a certain extent but for the most part, you can expect for it to stick around on your credit report for as much as 10 years. In addition, if you still have any credit left, it is going to be seriously hurt by filing bankruptcy and you will see your numbers drop significantly. That is only one part of the equation, however, and there are other things to consider.

First of all, if you are having a serious financial difficulty and find yourself wanting to file bankruptcy, you are likely already harming your credit score. You might be falling behind on your payments and if you aren’t now, you could end up falling behind in the not so distant future. There is no doubt that it can have an impact on your credit and it will continuously go down. As soon as you hit this type of downward spiral, it is very difficult to get out of it and you only find that your credit score is getting worse.

Effects Can Be Temporary

In addition, you might find that the amount that your credit score drops when you file for bankruptcy is really only a temporary issue. In many cases, you can begin requesting new credit cards immediately after the bankruptcy has been settled. Admittedly, you’re not going to get the serious credit card offers that you may have if you have an extremely high credit score, but you are still going to have the opportunity to build your credit.

So, how much will your credit score drop when you file for bankruptcy? In most cases, it will drop anywhere from 160 up to 220 points. If you have a good credit rating, it is going to take it down to the point where it is considered to be a poor credit rating. Most lenders are not going to extend you credit when you have a poor credit rating, so you may have a difficulty if you want to buy a home or a car. As we said, however, there may be options available for credit cards or you can get a secured credit card, which is similar.

Which Type of Bankruptcy Will You File?

You also need to consider the type of bankruptcy that you file. Chapter 13 bankruptcy is relatively common, and it will stay on your credit report for up to seven years. The benefit is the fact that it will discharge that on your credit report and if you are on a 3 or 5-year repayment plan, you may get out from underneath the debt prior to that time. Chapter 7 bankruptcy tends to stay on the credit report even longer and maybe there for 10 years. It has the benefit of discharging all of the unsecured debt that you have.

As you can tell, there is a lot to think about when you decide to file bankruptcy. It isn’t just a matter of your credit score, it is a matter of your available credit. Make sure you talk to a professional before you make the decision.


Remarriage After Divorce In Nevada – Dealing With The Waiting Period

Are you planning on getting remarried after a divorce? If you are, and you live in Nevada, you shouldn’t necessarily assume that you’ll be able to get married as soon as your divorce is finalized. You’ll have to go through a waiting period before you can marry again. Here’s a few things you should know if you’re hoping to remarry in the future.

It’s Smart to Check Out The Waiting Period Ahead of Time

Don’t wait until the last minute to investigate the waiting period with a Nevada attorney. This isn’t the kind of thing that you will want to be caught off guard by. You’ll want to make sure you’re familiar with the waiting period ahead of time. If you investigate the waiting period now, you’ll be able to prepare for the future. You’ll be able to check and see how long you’ll have to wait, and you’ll be able to plan around that. If you don’t have the right information, you could run into problems later on.

The Waiting Period Isn’t Very Long

If you’re concerned about the waiting period, you don’t have to be. While you may have to wait to get remarried, the waiting period isn’t all that long. This waiting period shouldn’t cause any major difficulties for you.

The state of Nevada doesn’t require people to wait years before they can remarry. The requirements are reasonable, and they don’t pose a problem for most people. If you study these requirements, you’ll see that they aren’t particularly strict. Most people never have to worry about these requirements; they can get remarried without any issues.

The Waiting Period Is Determined by The Date Your Divorce Was Finalized

Not everyone is able to finalize their divorce right away. In some cases, the divorce process can drag out for months or even years. Because the waiting period begins after your divorce is finalized, a long divorce could make it difficult for you to get remarried.

If your divorce isn’t finalized yet, you’ll want to work to ensure that it is finalized as soon as possible. Once your divorce is finalized, you can start planning for the future.

You may want to set up a consultation with a Nevada divorce lawyer. The right attorney will be able to help you end your marriage in a timely manner. They’ll work with you and ensure that you are able to get married again.

You Can Have A Wedding Even If You Can’t Get Married Legally

If you’re in the process of planning a wedding, and you’re worried that the waiting period will get in the way of that, you can relax. You don’t have to postpone your wedding if you’re still within the waiting period. It’s possible to have a wedding and get legally married later on.

The wedding ceremony isn’t legally binding on its own. You’ll need to fill out and sign paperwork if you want to legally marry someone. It’s possible to have a wedding, celebrate with your family and friends, and get legally married at a courthouse at a later date.

At the end of the day, a wedding is just a party. Don’t put a hold on your wedding if you can’t get legally married. Get married now and worry about the legal side of things once you’re past the waiting period.

Dealing with the waiting period can be frustrating, especially if you want to get married as soon as possible. While the waiting period can be a setback for some couples, it’s easy to cope with if you have the right information. Learn a little bit more about the requirements for remarriage in Nevada so that you can figure out what your next step should be.

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Jonathan Nelson
Jonathan Nelson
JK Nelson is a family practice attorney, practicing in Las Vegas and Pahrump, Nevada. He has experience in divorce, bankruptcy, wills, trusts, and estates.