But the law sets credit check online Salisbury a national standard that employers credit check online Salisbury must follow in employment screening. State laws may give an credit check online Salisbury employee more rights than the FCRA. Do I have a right to know when a background check is requested? Yes. Amendments to the FCRA, in effect September 30, 1997, increase the disclosure and consent requirements of employers who use "consumer reports." Such reports might consist only of a credit check. (See Part 7) More extensive reports might include criminal histories, driving records, and interviews with neighbors, friends and associates. To credit check online Salisbury be covered by the FCRA, credit check online Salisbury the Federal Trade Commission (FTC) says that a report must credit check online Salisbury be prepared by an outside company -- a "consumer reporting agency" or business that "for monetary fees, dues, or on credit check online Salisbury a cooperative nonprofit basis, regularly engages in ... information on consumers credit check online Salisbury for the purpose of furnishing credit check online Salisbury consumer reports to third parties." (FCRA §603f) Under the FCRA, the employer must obtain the credit check online Salisbury applicant's written authorization before the background check is conducted. get a credit report The authorization must be on a document separate from all other documents such as an employment application. In California, at the time an employer obtains permission for a background check, the credit check online Salisbury applicant or employee should also be told that he or she may request a copy of the report. The FCRA, in contrast, says the subject is entitled to a copy of the report if a credit check online Salisbury pre-adverse notice is given. Under federal law, if the employer uses information from the consumer report for an "adverse action" - that is, denying the job applicant, terminating the employee, rescinding a job offer, or denying a promotion - it must credit check online Salisbury take the following steps, which are explained further in the Federal Trade Commission's web site, www.ftc.gov/bcp/edu/pubs/business/credit/bus08.shtm Modified disclosure and adverse action procedures under the FCRA (§604(b)(3)(B)) apply to positions subject to U.S. official credit report free Department of Transportation (DOT) regulations such as truck drivers. The DOT has independent authority to set qualifications for workers in transportation industries. (49 USC §31502) There credit check online Salisbury is an error in my background check report. They have me mixed up with another person with a similar name credit check online Salisbury and a criminal record. What should I do? First, talk to the employer.
Explain the report’s errors, and tell the employer you intend to file a dispute with the employment screening company.
Although the credit check online Salisbury FCRA does not require the employer to hold the job for you, a sympathetic employer may be willing to give credit check online Salisbury you a chance to correct credit check online Salisbury any errors. Next, file a dispute with the employment screening company that made the error. You may first call the company and tell them about the error. Then follow-up with a written dispute letter pointing out the errors in the report. Send your letter certified mail, return receipt requested. free credit annual report
Along with your letter you may submit information that verifies your side of the story.
The background check report may show a credit check online Salisbury criminal record for someone with your first and last name but with a different middle initial.
