Credit report credit Georgia

Much of it is computerized, allowing employers to log on credit report credit Georgia 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 credit report credit Georgia to find web sites that specialize in "background checks." Employers should beware of companies advertising on the Internet that they can "find everything credit report credit Georgia about anyone." They are not necessarily going to be in strict compliance with federal and state laws, especially the provisions that require accuracy of background check reports. Fair Credit Reporting Act and Background Checks The credit report credit Georgia federal Fair Credit Reporting Act (credit report credit Georgia 15 USC §1681 et seq.) does credit report credit Georgia not require employers to conduct employment background checks. But the law sets a national standard that employers credit report credit Georgia must follow in employment screening. State credit report credit Georgia 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. your credit history

(See Part credit report credit Georgia 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 credit report credit Georgia by an outside company -- a "consumer reporting agency" or business that "for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in ...

information on consumers credit report credit Georgia for the purpose of furnishing consumer credit report credit Georgia reports to third parties." (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 credit report credit Georgia 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 credit report credit Georgia copy of the report. credit rating check free The FCRA, in contrast, says the subject is credit report credit Georgia entitled to a copy of the credit report credit Georgia report if a pre-adverse notice is given. Under federal law, if credit report credit Georgia 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 take the credit report credit Georgia following steps, which are explained further in the Federal Trade Commission'credit report credit Georgia s web site, www.ftc.gov/bcp/edu/pubs/business/credit/bus08.shtm Modified disclosure and adverse action procedures under the FCRA (§604(b)(credit report credit Georgia 3)(B)) apply to positions credit report credit Georgia subject to U.S. Department of Transportation (DOT) regulations such as truck drivers. The DOT has independent authority to set qualifications for workers in credit report credit Georgia 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 intend to credit report credit Georgia file a dispute with the employment screening company. to check credit history 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 to correct any errors. Next, file a dispute credit report credit Georgia 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.