CIC background check

CIC Background Check conducted by Consumer Information Center (CIC), plays a crucial role in the financial system as it aids creditors and employers in making informed decisions based on accurate and up-to-date information about applicants’ credit histories. 

Our company, RS Attorneys, helps clients correct errors in such reports, thus protecting their rights and financial well-being. Our work is characterized by the fact that we do not charge clients for our services, receiving compensation directly from those against whom lawsuits are filed, making our support accessible and effective for those who encounter errors in credit reports.

Understanding CIC Background Check

CIC background check, or background information check by Consumer Information Center, is a process that ensures the collection and analysis of data about a person’s financial history and personal information.

What is a CIC Background Check?

CIC background report includes evaluating credit history, employment records, court decisions, and other personal data. These checks are frequently used by employers, landlords, and creditors to assess an individual’s reliability and creditworthiness.

What data is checked?

  • Credit history: The main component, including history of credits, debts, and payments.
  • Employment records: Checking past and current employment to verify income stability.
  • Judicial and legal records: Information about court decisions and bankruptcies that may impact financial reliability.
    This information assists third parties in making informed decisions and reducing risks associated with dishonest or financially unstable individuals. Therefore, the accuracy of data in CIC background checks is critically important for maintaining economic security and correct financial and professional evaluations.

Depth of CIC Background Check

Understanding how far back a CIC background check can extend helps recognize the importance of data accuracy in your credit report.

How far back does CIC background check go?

Depending on legislation and policies of individual states, CIC background checks can cover various periods of time. Data for the last 7-10 years is most commonly checked, but some types of information, like bankruptcy or criminal records, can be investigated for an extended period.

Aging of information in CIC Background Check

Type of InformationAge Limit
Credit history7-10 years
Court casesup to 7 years
Criminal records10 years or more
Employment records5-7 years

Statistics on Errors in Credit Reports

Studies indicate that a significant percentage of credit reports may contain errors, which can influence the outcomes of CIC background checks. This underscores the need for regular checking and correction of your credit data. This information stresses the importance of being informed about your financial status and the necessity of regularly checking credit reports to ensure their accuracy and relevance. Errors in reports can lead to undesirable consequences such as loan denial or employment rejection.

What happens after a request for a Background Check

Once a request for a CIC background check is sent, the verification process begins, affecting many aspects of your life.


Request processing process

  • Request processing: As soon as a request for a CIC background check is received, a data collection and verification procedure starts. This process can take from a few days to several weeks, depending on the volume of information requested and the responsiveness of information sources.
  • Notification “we are processing your background check CIC”: At this stage, you may receive a notification that your request is being processed. This is a standard procedure confirming that the process has begun.
    After completion of the check
  • Receiving results: Upon completion of the check, you will receive a report containing all the collected information. This report will help you see what information was checked and what conclusions were drawn based on this data.
  • Actions after receiving the report: If errors or inaccuracies are found in the report, you should immediately proceed to correct them. This may involve contacting credit bureaus, correcting documentation, or, if necessary, legal intervention.

After background check what next CIC

After receiving and analyzing the report, it is crucial to take steps to correct any errors. This may include additional requests to change or remove incorrect information from your report. It may also be necessary to consult a lawyer to discuss potential legal steps in case of serious errors or abuses. This stage is critically important to ensure the accuracy of your financial history and protect your rights. Our specialists at RS Attorneys are ready to provide the necessary assistance and support at every stage of this process.

Process of Correcting Errors in Credit Reports

Correcting errors in credit reports is a critical step in maintaining your financial reliability and creditworthiness.

Step-by-step instructions for correcting errors:

  1. Obtaining a copy of the report: First, ensure you have an up-to-date copy of your credit report. You can request it for free once a year at www.annualcreditreport.com or directly from credit bureaus.
  2. Identifying errors: Carefully review the report for inaccuracies or errors. Pay attention to incorrect information about credit history, debts, court decisions, and other aspects.
  3. Writing a claim letter: Write a letter to the credit bureau, indicating the errors and attaching documents proving your case. Clearly specify which information you consider erroneous and what exactly you are requesting – correction or deletion of data.
  4. Sending a letter with notification of receipt: Send the letter by means that allow you to confirm its delivery (e.g., registered mail with notification). This will ensure you confirmation that your request has been received.
  5. Waiting for a response: By law, the credit bureau is required to review your complaint and respond to you within 30 days. The bureau must conduct an investigation and either correct the error or provide you with an explanation why the information is considered correct.
  6. Checking corrections: After receiving a response from the credit bureau, check your report again to ensure that all errors have been corrected. If the information has not been changed and you disagree with the bureau’s explanation, you can file a lawsuit against them. 

Correcting errors in credit reports not only helps you avoid unpleasant surprises during the next financial check but also improves your credit rating, which is important for future financial operations. If the process seems complicated or you encounter resistance from credit bureaus, our specialists at RS Attorneys are ready to help you at every step of this process.

How RS Attorneys Can Help

We do believe it important to have a correct credit report, and how difficult it may be for one to fight for correction in it. We provide free consultations, and we do not ask for any payments for our legal services, as we recover our fees directly from those against whom lawsuits are filed. Here is how we can help you in case of problems with your credit report:

  • Free consultation and case evaluation: An initial analysis of your credit report in order to identify possible errors. Discussion of your case and strategy of its settlement.
  • Preparation and filing claims: Assistance in preparation of and filing legally valid claims with credit bureaus and other involved institutions. Due delivery of all your correspondence, and timely.
  • Protection of your interests: Representing you during negotiations with the credit bureaus and other institutions. In case of errors, a legal process against credit bureaus or other parties if the mistakes are not corrected within the time assigned by the law.

Monitoring and support

Control of your case status and informing you about all the changes. Constant support and consultations during all the process of resolving your problem.

At RS Attorneys, we believe your interests are of primary importance and try to give you the best possible protection. Our aim is not only to tackle the current problems but also to avoid their repetition in the future. Contact us today, and we’ll help you restore your financial well-being and confidence.