Background check services handle sensitive personal information including criminal records, employment history, and credit data. We analyzed the terms of service from leading providers to help you understand data accuracy rights, dispute processes, and FCRA compliance.
Background check services are subject to the Fair Credit Reporting Act (FCRA), which provides certain consumer rights including the right to dispute inaccurate information. However, the terms of service can still vary significantly in areas like data retention, consent scope, and liability limitations. Understanding these terms is crucial whether you're an employer running checks or an individual whose background is being screened. Inaccurate reports can have serious consequences for employment, housing, and financial opportunities.
| Service | Score | Grade | Dispute Process | Data Retention |
|---|---|---|---|---|
| GoodHire | 58 | C+ | Clear process | 7 years |
| Checkr | 50 | C | Online portal | As required |
| Sterling | 45 | C- | Available | Varies by state |
| HireRight | 40 | C- | Available | 7+ years |
SMB-focused service with clearer dispute process and candidate-friendly features. Better transparency than competitors.
Read Full Review →Popular with gig economy companies. Modern interface but extensive data collection and AI-assisted screening raise concerns.
Read Full Review →Enterprise-focused provider. Complex terms and broad data sharing with affiliated companies.
Read Full Review →Large enterprise provider with global reach. Long data retention and complex dispute resolution process.
Read Full Review →Our analysis focuses on FCRA compliance, dispute resolution clarity, data accuracy practices, retention policies, and transparency about how reports are compiled. We evaluate consent scope, data sharing with third parties, and the clarity of adverse action processes. Background check services uniquely impact employment and housing opportunities, making accuracy and dispute rights especially important.