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The list is helpfully divided into categories such as credit reporting, employment history, insurance, renting and so on. Note that you can request and dispute the information that these CRAs have on file for you. For checking on potential roommates or romantic partners, you can use just about any service or legal method.

The simplest option for a background check is to hire a professional service. You can find dozens of background check agencies online. You will need to watch out for scam companies. Look around at several companies to find the average price for a background check and avoid any companies that are too low or too high. If you want to save some money and you have some time, you can do many of the same checks yourself.

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You might also dig up information on a person's habits or character that a professional might not consider. They comb Google, Facebook and other information websites to find out details that the person has willingly shared. A Google search could turn up other things about the person that might make you think twice, too.


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However, you probably won't see important details about whether they've been arrested or evicted in the past. Luckily, most court information is public record. To find it, go to your state's official government website or find the information you need at the National Center for State Courts. Make sure you search every state that the person you're checking has lived in.

After that, you might want to drill down to discover any felony and misdemeanor convictions on the county and city level. Keep an eye out for civil judgments, too, such as a bankruptcies and court orders to pay debts.


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In most cases, a credit report can't be pulled without a legitimate business purpose and written permission. A good strategy for screening a roommate would be to ask him or her to volunteer a report.

All consumers are entitled to get a free copy of their credit report once a year from the three reporting agencies — Equifax, Experian and Trans Union. The more information you have about a person, the better your searches will be.

How to Run a Free Background Check | Chamber of Commerce

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