I was recently offered a position with a large, national financial corporation, and requested a copy of their background, criminal and credit investigation on me for employment purposes. Here's what is contained in the report. The report was prepared by a very large national data services provider, LexisNexis.

1. Social Security Number Validation, including validity, issuance state and date, any deceased reporting or other irregularity associated with the social security umber.

2. Names and addresses: All names, alias, mispellings, etc AND all known current and prior addresses and dates verified.

3.Employment Verification: 5 year history, former employers actually contacted for verification of position titles, dates employed, and reasons for leaving. Also checked employer addresses and phone numbers provided by me in application.

4. Criminal: Multiple searches for name plus aliases and mispellings at the county, superior and municipal court level at my residence county AND adjacent counties. This search is for County Seat Felony and Misdemeanors. Also searched for Federal Felony and Misdemeanor at US District Court levels in multiple adjacent district court locations.

5. Global Sanction Search: Search for any sanctions or complaints on my records, such as those that would be made through regulatory bodies like FINRA, etc.

6. Credit Report-Employment:
a-Personal Identification Information
b-Summary of File: Bankruptcies, Public Records, Collection Items, High Credit Range, Total Trade Lines, Credit file first creation date, credit oldest opening date, latest reporting date.
-As you can see above, these are only date, dollar amount and yes/no answers, e.g. Bankruptcies: Yes, Public Records: No, Collection Items: No, etc.-
c-Public Records/Legal Items: Lists all items, e.g. Bankruptcy, and basic information such as petition type, date, court, etc. Nothing too in depth.
d-Account Status: Lists all accounts in your credit reports, their status (if last paid on time or late, charge off, collection, etc. prior to filing BK-So whatever the last status on the account was the day you filed, plus IIB as most of my accounts are reporting already), credit limit, amount owed, account type, last activity date, etc. DOES NOT INCLUDE OR LIST 24 MONTH PAYMENT HISTORY.
e-Inquiry History: Hard credit checks, such as when you apply for credit...I have a couple I did not know about that I never authorized, such as from CBA and First USA.

That's all there is folks. No credit score, no 24 month history. It does show, however, what your status with the accounts was on the date filed.

Now this may differ for some of you as my check was pulled while I am still going through an active bankruptcy, no discharge yet, so the way my account status is showing may change after the discharge, I'm not sure.

Please keep in mind that my new employer told me that the filing of bk itself was only one event and they placed more weight on prior behavior (account status on date of filing, no judgements, etc) and overall debt burden levels.

Good luck to all.