What is a fcra?

The Fair Credit Reporting Act, a U.S. federal law regulating the collection of consumers' credit information and access to their credit reports. It dictates the rules for how background checks can be used for employment purposes.

Who uses one?

Employers screening candidates

What does it cost?

Pricing varies. The cheapest provider in our Top 11 starts around $25/mo. See the cheapest providers ranked.

How do I pick one?

Read the full methodology for our 9.4-point scoring framework, then look at the canonical The 11 Best Background Check Services. If you want a slice of the ranking by price, fit, or compliance, jump to: cheapest · highest-rated · fastest onboarding.

Source: Top 11 The 11 Best Background Check Services, verified June 13, 2026.