What type of information is typically gathered during background checks by private investigators?

The correct choice is that background checks conducted by private investigators typically involve gathering public records and personal information. Background checks are comprehensive and serve various purposes, such as assessing the trustworthiness of individuals for employment, rental applications, or other situations where a person's past behavior and financial standing may be relevant.

This type of investigation often includes examining public records, such as property ownership details, court records, and licensing information. Additionally, private investigators may collect personal information, including the individual's history of employment, education, and character references, providing a fuller picture of the individual's background.

The other options provided do not encapsulate the full scope of information that private investigators can gather during background checks. While financial history is a component of these checks, it is not the only information collected. Criminal records are vital but represent just one facet of an individual's background. Similarly, focusing solely on employer references restricts the breadth of the investigation, disregarding other significant elements that contribute to a comprehensive background check. Thus, the choice highlighting public records and personal information accurately reflects the multifaceted approach taken by private investigators in this context.