How to obtain a free credit report Amarillo

Fair Credit Reporting Act and Background Checks The federal Fair Credit Reporting Act (15 USC §1681 et seq.) does not require employers to how to obtain a free credit report Amarillo conduct employment background checks. 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 how to obtain a free credit report Amarillo credit check. your credit reports (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 business that "for monetary fees, dues, or how to obtain a free credit report Amarillo on a cooperative nonprofit basis, regularly engages in ... new free credit report

information on consumers for the purpose how to obtain a free credit report Amarillo of furnishing consumer reports to third parties." (FCRA §603f) Under the FCRA, the employer must obtain the applicant's written authorization before how to obtain a free credit report Amarillo the background check is conducted. 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 applicant or employee should also be told that he or she may request a copy of the report. free credit check online