Credit report access San Diego

www.fmcsa.dot.gov/rulesregs/fmcsrhome.htm 4. Who Conducts Background Checks? There credit report access San Diego are many companies that specialize in employment screening.

It is outside the purpose of this fact sheet to identify background checking companies by name. The most important thing to keep in mind is that companies conducting background checks fall into several broad categories.

This can range from individuals commonly known as "private credit report access San Diego investigators," to companies that do nothing but employment screening, and to online data credit report access San Diego brokers. The National Association of Professional Background Screeners provides a directory of its credit report access San Diego members on its Web site, www.napbs.com. Corporations that employ large numbers of people may have an established relationship with a third-party background checking company or may even use an affiliated company for their employment screening. Other background checking companies may work on a less formal basis with employers.

Some screening companies credit report access San Diego operate in specific areas of the credit report access San Diego 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 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. get a free credit score report Finding one of these online companies is as easy as using an Internet search engine credit report access San Diego to 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 with federal and state laws, especially the 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 require employers to conduct employment background checks. But the law sets a national standard that credit report access San Diego 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 credit report access San Diego a credit check. getting credit reports (See Part 7) More extensive reports might include criminal histories, driving records, and interviews with neighbors, friends credit report access San Diego and associates. To be covered by the credit report access San Diego FCRA, the Federal Trade Commission (FTC) says that a report must be prepared credit report access San Diego 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 for the purpose of credit report access San Diego furnishing consumer 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 documents such as an employment application.

In California, at credit report access San Diego 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 credit report access San Diego the report. The FCRA, in contrast, says the subject is entitled to a copy of the report if a credit report access San Diego pre-adverse notice is given. Under federal law, if 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 following steps, which are explained further in the Federal Trade credit report access San Diego Commission's web site, www.ftc.credit report access San Diego gov/bcp/edu/pubs/business/credit/bus08.shtm Modified disclosure and adverse action procedures under the FCRA (§604(b)(credit report access San Diego 3)(B)) apply to positions subject to credit report access San Diego U.S. get your credit report free Department of Transportation (DOT) regulations such as truck drivers. The DOT has independent authority to set qualifications for workers in transportation industries.

(49 credit report access San Diego 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.