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Finding a job is not a cakewalk—it takes time. But before you can start your new job, you have to cross one more hurdle: the background check. The process may sound intense, but the government offers some protections in terms of what type of information employers can look at during a background check. There are a couple big caveats though, says Paul Stephens, director of policy and advocacy at consumer advocacy group Privacy Rights Clearinghouse. Setting aside the FCRA restrictions, you probably still have concerns about what an employer can discover about your past.

Worry not. Monster spoke to experts to address some common fears job seekers have about background checks. There are some exceptions. With felonies and misdemeanors, employers are looking for the nature of the crimes. In most cases, employers must obtain the applicant's written authorization before the background check, so take this opportunity to bring up anything that may raise eyebrows during the checking process.

There's no such thing as a perfect employee, and companies know this. If you suspect or know that someone else is using your SIN , call toll-free and select option 3. If you are calling from outside of Canada, dial long distance charges apply.


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Service Canada shares with each SIN holder the responsibility of protecting an individual's SIN from inappropriate use, fraud and theft, and ensuring that his or her information in the Social Insurance Register the Register is accurate and current. Service Canada and its partners take this responsibility very seriously and have many ways of safeguarding SIN s and updating the Register to make it accurate. For example, we:. You will not receive a reply.

Skip to main content Skip to "About government". You must also give it to financial institutions for accounts that pay interest Except when required for government programs and services, it is your decision when to share your SIN information and with whom.

Your SIN is confidential and contains important information. If it is stolen along with other personal information, your SIN could be used by someone else to gain access to a wide range of benefits, services, and information in your name Keep your SIN card in a safe place, like a safety deposit box.

Do not carry it in your wallet or purse. Stolen, lost or borrowed SIN s are used to defraud governments, businesses and individuals. If someone else uses your SIN to work illegally or to obtain credit, you may be asked to pay additional tax for income you did not earn or encounter difficulty when you apply for credit If you suspect your SIN is being used illegally or there is a risk it will be used inappropriately, there are steps you should take.

Contact Service Canada when: you change your name through marriage, adoption or a legal change of name your citizenship status changes your SIN card is lost or stolen you suspect that someone is illegally using your SIN there is a death of a family member you discover that information on your SIN record is incorrect or incomplete.

Why do you need a SIN? What does your employer do with your SIN? Who can ask for your SIN? You may be asked to provide your SIN for the following purposes, but you are not legally required to provide it when: funeral arrangements proving your identity except for specific government programs completing an employment application before you get a job offer completing an application to rent a property completing applications for credit products e.

What should you know about the Personal Information Protection and Electronic Documents Act Footnote 1 The Personal Information Protection and Electronic Documents Act PIPEDA protects your right to privacy by controlling the ability of organizations to collect, use or disclose your personal information when they have it for legitimate business purposes.

According to PIPEDA , you have the right to: know why an organization collects, uses or discloses your personal information expect an organization to collect, use or disclose your personal information reasonably and appropriately, and to use the information only for the purpose to which you agreed to know who in the organization is responsible for protecting your personal information expect an organization to protect your personal information by taking appropriate security measures expect the personal information an organization holds about you to be accurate, complete and up-to-date access your personal information and request amendments complain about how an organization handles your personal information.

This can be kept confidential if you prefer.

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If you are unsure, ask if you are required by law to provide it. Ask why it is being requested, how it will be used and with whom it will be shared. Your SIN card is not an identity card and should not be used for that purpose. For this reason, you should store your card safely, in a secure file cabinet at home or in a safety deposit box. If your SIN is not legally required for the product or service and the organization refuses to provide the product or service unless you disclose your SIN , ask to speak to the person in charge or use the organization's complaint process.

Many organizations are not aware of the appropriate uses of the SIN , and once informed, may willingly change their practices. If you are not satisfied with the organization's response, contact the organization's industry association, ombudsman or complaint office. For example, the Canadian Marketing Association and the Ombudsman for Banking Services and Investments handle customer complaints about their member companies. If you are unsuccessful, you may lodge a complaint against the organization with the Privacy Commissioner of Canada at www.

What is the Social Insurance Register? What is identity theft and how can you be affected by it?

What is Checked in a Credit Screening?

Thieves steal your identity — your name, date of birth, address, SIN and other personal information — and use these to: open bank accounts and obtain credit cards receive government benefits and services rent vehicles, equipment, hotel rooms or housing redirect your mail get a job Identity theft is one of the fastest growing crimes in North America. How can you protect yourself from fraud and identity theft? Report a problem or mistake on this page. Please select all that apply: A link, button or video is not working. It has a spelling mistake. Information is missing.

What do I mean by bad debt? It is no longer only credit lenders who run credit checks on you — today, potential employers and recruitment agencies are running pre-employment screening credit checks on you before you are placed in a new role. Do you know what that credit check will say exactly? Understanding your credit report is important so I will tell you about the kind of things that show up on that report as adverse or negative.

When you default a few times on an account miss a payment you had agreed to make contractually , creditors can list you as being a slow payer or as having a default. A default on an account will reflect on your record for at least 2 years and may affect your chances of securing a role.

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If the creditor takes the matter further and the court issues an instruction for you to pay the debt, a judgment is listed on your record. This judgment will reflect on your record for a further 5 years, regardless of whether you have paid it up in that time or not.

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Debt management agencies are coining it in this struggling consumer climate. There are employers who will appreciate the initiative of someone opting for a solution such as this over simply ignoring payments to their creditors, but be sure you will have to explain yourself. Additionally, there are companies who have a policy against employing anyone with an adverse credit record, no matter the circumstances, so if you have another option, then go there first. You should know. Every person is entitled to one free credit check from the credit bureaus each year.

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