See, this is why I feel creeped out about having a background check. Even though I have never been fired from anywhere, never had any arrests--not even a speeding ticket that I can recall. But I don't have the best credit rating ever, though it's certainly improved a lot over the years. And they talk to your friends, family, and neighbors? How the heck do they know who my friends are?
And if they (manage to find and) talk to my family, they'll either get a good story or a bad story, depending whether they talk to certain malevolent persons [with whom I have no communication, and who have told all kinds of bizarre stories about me, such as that I left home a) because I had an abortion (?!) or b) because I was on drugs (?!), both of which are completely made up, presumably to hide the fact that I actually left home because I was 18 and didn't enjoy being abused]--or whether they talk to the people who are in my life today.
And I don't have that many "ex" friends, but I do have one or two. What would they say about me?
What would your family members and friends say about you? Would you want your new boss to hear them say it?