Free credit reports free Houston

For more about filing free credit reports free Houston disputes, along with a sample dispute letter, see the following FTC publication: free credit reports free Houston How to Dispute Credit Report Errors: http://ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm What free credit reports free Houston happens after I file a dispute free credit reports free Houston with the employment screening company? After you file your dispute, free credit reports free Houston the screening company has 30 days to investigate. If, during that 30 day period, you file additional information, the investigation may be extended by another 15 days. So, 45 free credit reports free Houston days is the maximum time free credit reports free Houston allowed for considering your dispute. If free credit reports free Houston information in your background screening report cannot be verified, it must be deleted. You must receive written notice of the results of the investigation not later than five business days after the investigation is completed.

You can ask the screening company to send the revised report to anyone who has received free credit reports free Houston an employment report about you within the last two years. You also have the right to receive another free copy of your report within 60 days.

For more information about an employer’s obligations under the FCRA, see the FTC publication: Using Consumer Reports: What Employers Need to Know:http://business.ftc.gov/documents/bus08-using-consumer-reports-what-employers-need-know free credit reports free Houston For more information about an free credit reports free Houston employee’s rights under the FCRA, see the FTC publication: Employment Background Checks and Credit Reports: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre36.shtm Does the FCRA require that I receive notice and give authorization at any time a background check is obtained? According to FTC staff, the FCRA allows a "blanket" authorization. free credit report fair credit reporting act This means a one-time notice and authorization is sufficent to allow the employer to obtain reports at any time during employment. www.ftc.gov/os/statutes/fcra/james.shtm free credit reports free Houston The requirement to get authorization may, however, be different under state law. In California, for example, notice and authorization is required "at any time before a report is procured." (free credit reports free Houston California Civil Code Sec.

1786.16) The federal law has two significant loopholes. First, if the employer does not use a third-party screening company but, rather conducts the background check itself, it is not subject to the notice and consent free credit reports free Houston provisions of the FCRA. Second, the employer might tell the rejected applicant that its adverse decision was not based on the contents of the background investigation, but, rather that the job pool was so exceptional that it made its hiring free credit reports free Houston decision based on the fact that there were individuals more qualified than the applicant. check free credit

In both of these situations, the applicant would not have the ability to obtain a copy of the background check to find out what negative information it contained. We have learned of situations where the individual remained free credit reports free Houston unemployed for years, not knowing that wrongful criminal records which resulted free credit reports free Houston from identity theft were the reason for the individual's failure to find employment. (Read "Identity Theft: The Growing Problem of Wrongful Criminal Records," www.privacyrights.org/ar/wcr.htm.) Recent free credit reports free Houston amendments to California's "investigative consumer reporting" law have closed those loopholes. California law now requires that individuals who are subject to employment screening are able to obtain a copy of the background check free credit reports free Houston whether or not an adverse action has been taken.

And applicants have the same rights to notice free credit reports free Houston and consent whether the employer hires an outside company to conduct the investigation or does the background free credit reports free Houston check itself. And now in California when an individual requests a copy free credit reports free Houston of their report from the consumer reporting agency, the agency must explain their rights in a document written in both English and Spanish. free credit report without credit card information