History credit report Phoenix

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 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 history credit report Phoenix by the FCRA, the Federal Trade Commission (FTC) says that a report must be prepared by an outside company -- a "consumer reporting agency" or business that "for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in ... phone number for free credit report

information on consumers for the purpose of furnishing consumer reports to third parties." (FCRA §603f) Under the FCRA, the employer must obtain the history credit report Phoenix applicant's written authorization before the history credit report Phoenix background check is conducted. The authorization must be on a document separate from history credit report Phoenix all other documents such as an history credit report Phoenix employment application.

In history credit report Phoenix 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. how to obtain a free credit report The FCRA, in contrast, says the subject history credit report Phoenix is entitled to a copy of the report if a pre-adverse notice is given. Under federal law, if the employer uses information from the consumer report for an "adverse action" - that is, denying history credit report Phoenix the job applicant, terminating the employee, rescinding a job offer, or denying a history credit report Phoenix 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 history credit report Phoenix the FCRA (§604(b)(3)(B)) history credit report Phoenix apply to positions subject to U.S. free credit reporting act