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So, 45 days is the maximum time allowed for considering your dispute. If 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 credit rating check free Laredo an employment report about you within credit rating check free Laredo the last two years. You also credit rating check free Laredo 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, credit rating check free Laredo 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 For more information about an employee’s rights under credit rating check free Laredo the FCRA, see the FTC publication: Employment Background Checks and Credit Reports: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre36.shtm Does the credit rating check free Laredo 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. This means a one-time notice and authorization is sufficent to allow the employer to obtain reports at any time during employment. get your credit report for free www.ftc.gov/os/statutes/fcra/james.shtm The requirement to get authorization may, however, credit rating check free Laredo be different under state law. In California, for example, notice and authorization credit rating check free Laredo is required "at any time before credit rating check free Laredo a report is procured." (California Civil credit rating check free Laredo 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 credit rating check free Laredo is not subject to the notice and consent provisions of the FCRA. Second, the employer might tell the rejected applicant that its adverse decision credit rating check free Laredo was not based on the contents credit rating check free Laredo of the background investigation, but, rather credit rating check free Laredo that the job pool was so exceptional that it made its hiring credit rating check free Laredo decision based on the fact that there were individuals more qualified than the applicant. free credit report 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 credit rating check free Laredo the individual remained unemployed for years, not knowing that wrongful criminal records which resulted 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 amendments to California's "investigative credit rating check free Laredo 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 whether or not an adverse action has been taken.

And applicants have the same rights to notice and consent credit rating check free Laredo whether the employer hires an outside credit rating check free Laredo company to conduct the investigation or credit rating check free Laredo does the background check itself. And now in California when an individual requests a copy of their report from the consumer reporting agency, the agency must explain their rights in credit rating check free Laredo a document written in both English and Spanish. For more on employment background checks and your rights under the FCRA, see the Federal Trade Commission publication, Employment Background Checks and credit rating check free Laredo Credit Reports, www.ftc.gov/bcp/edu/pubs/consumer/credit/cre36.shtm 6. free credit report usa FCRA Update: Workplace Investigations and Annual File Disclosures Recent amendments to credit rating check free Laredo the FCRA, known as the Fair credit rating check free Laredo and Accurate Credit Transactions Act of 2003 or FACTA, set a new standard for what FACTA calls "employee misconduct investigations." In addition, FACTA says job applicants and employees who have undergone an employment background screening covered by the FCRA may receive a free annual file disclosure from the company that performed the background check.