Credit card free credit report Denver

But the law sets a national standard that employers must follow in employment screening. State laws may give an 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 credit card free credit report Denver 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 be covered by the FCRA, the Federal Trade Commission (FTC) says that a report must be prepared by an outside company -- a "consumer reporting agency" or credit card free credit report Denver business that "for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in ... my free credit check information on consumers for the purpose of furnishing consumer reports to third parties." (credit card free credit report Denver FCRA §603f) Under the FCRA, the employer must obtain the applicant's written authorization before the background check is conducted. The authorization must be on a document separate from all other documents such as an credit card free credit report Denver employment application. In California, at the time an employer obtains permission for a background check, the applicant or employee should also be told that he or she may request a copy of the report. dispute credit report

The FCRA, in contrast, says the subject is entitled to a copy of the report if a pre-adverse notice is given. Under federal law, if the employer uses credit card free credit report Denver 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 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 credit card free credit report Denver the FCRA (§604(b)(3)(B)) apply to positions subject to U.S. view my credit report