Other background checking companies may work on a less formal basis with employers. Some screening companies operate in specific areas of the country while others, including some private investigators, conduct background screening nationwide. With the information age upon us, it is easy for employers to gather background free online credit check Topeka information themselves.
Much of it is computerized, allowing employers to log on to public records and commercial databases directly through dial-up networks or via the Internet. Finding one of these online companies is as easy as using an Internet search engine to free online credit check Topeka find web sites that specialize in "background checks." Employers should beware of companies advertising on the Internet that they can "find everything about anyone." They are not necessarily going to be in strict compliance free online credit check Topeka with federal and state laws, especially the free online credit check Topeka provisions that require accuracy of background check reports.
Fair Credit Reporting Act and Background Checks The federal Fair Credit Reporting Act (15 USC §1681 et seq.) does not free online credit check Topeka require employers to conduct employment background checks. But the law sets a national standard free online credit check Topeka 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. credit report free no credit card (See Part 7) More extensive reports free online credit check Topeka 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 free online credit check Topeka 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 free online credit check Topeka in ...
information on consumers for the purpose free online credit check Topeka of furnishing consumer reports to third parties." (free online credit check Topeka FCRA §603f) Under the FCRA, the employer free online credit check Topeka 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 employment application. In California, at the time free online credit check Topeka 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. identity security The free online credit check Topeka FCRA, in contrast, says the subject is entitled to a copy of the report free online credit check Topeka if a pre-adverse notice is given. Under federal law, if the employer uses information from the consumer report for an "free online credit check Topeka adverse action" - that is, denying the job applicant, terminating the employee, rescinding a free online credit check Topeka 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.free online credit check Topeka shtm Modified disclosure and adverse action procedures under the FCRA (§604(b)(3)(B)) apply to positions subject to U.S.
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 is an error in my background check report. They have me mixed up with another person with a similar name and a criminal record. What should I do? First, talk to the employer. Explain the report’s errors, and tell the employer you free online credit check Topeka intend to file a dispute with the employment screening company. Although the FCRA does not require the employer to hold the job for you, a sympathetic employer may be willing to give you a chance free online credit check Topeka to correct any errors. Next, file a dispute with the employment screening company that made the error. get my free credit report You may first call the company and tell them about the error.
Then follow-up with a written free online credit check Topeka dispute letter pointing out the errors in the report. Send your letter certified mail, return receipt requested. Along with your letter free online credit check Topeka you may submit information that verifies your side of the story. The background check report may show a criminal record for someone with your first and last name but with a different middle initial. The free online credit check Topeka process for disputing errors in an employment report is the same as the process for disputing errors in your credit report.
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