This means a one-time notice and authorization is sufficent to allow the employer to obtain reports at any time during employment. www.free credit report history Indiana ftc.gov/os/statutes/fcra/james.shtm 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." (California Civil Code Sec. 1786.16) The federal law has two significant loopholes.
First, if the employer does not use a free credit report history Indiana third-party screening company but, rather free credit report history Indiana conducts the background check itself, free credit report history Indiana it is not subject to the notice and consent provisions of the FCRA. credit report score 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 free credit report history Indiana its hiring decision based on the fact that there were free credit report history Indiana individuals more free credit report history Indiana qualified than the applicant. business credit reports
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 free credit report history Indiana learned of situations where the individual remained unemployed for years, not knowing that wrongful criminal records which resulted from free credit report history Indiana identity theft were the reason for the individual's free credit report history Indiana failure to find employment.
(Read "Identity Theft: The Growing Problem of Wrongful Criminal Records," free credit report history Indiana www.privacyrights.org/ar/wcr.htm.) Recent amendments to California's "investigative consumer reporting" law have closed those loopholes. free credit scores and reports
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