What is in a consumer report background check

what is in a consumer report background check

Using Consumer Reports: What Employers Need to Know

Jan 02,  · Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal tiktoklovehere.comted Reading Time: 4 mins. When you apply for a job, your prospective employer may use a consumer report to evaluate you as a potential employee. A consumer report is a collection of documents that may include credit.

Hundreds of companies provide employment background checks and qualify as consumer reporting agencies. Employment reports often include credit checks, criminal background checks, public records—such as bankruptcy filings and other court documents—and information related to your employment history. An employer needs to get your written permission if it seeks an employment background report on you.

Just like with the big three consumer reporting agenciesyou can get free copies of your reports every 12 months from many of the specialty consumer reporting agencies.

Other specialty consumer reporting agencies may be able to charge you a fee for your report. Keep in mind that not every agency will have information on everyone. Please do not share any personally identifiable information PIIincluding, but not limited to: your name, address, phone number, email address, Social Security number, account wwhat, or any other information of how to set india timezone in php sensitive nature.

Skip to main content. Credit Reports and Scores. What do employers see when they do credit checks and background checks? Ehat see what you're looking for?

Cosnumer related questions Could late rent payments or problems with a landlord be in my credit report? What are specialty consumer reporting agencies and what kind of information do they collect? How do I get a copy of my credit reports? Learn more about credit reports and scores. Search for your question. Was this answer helpful to you? Additional comment optional Please do not share any personally identifiable information PIIincluding, but backgorund limited to: your name, address, cohsumer number, email address, Social Security number, account information, or any other information of a sensitive nature.

Disposing of Consumer Reports

Hundreds of companies provide employment background checks and qualify as consumer reporting agencies. Employment reports often include credit checks, criminal background checks, public records–such as bankruptcy filings and other court documents–and information related to your employment history. Oct 21,  · A consumer report is any written, oral or other communication of any information by a Consumer Reporting Agency bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of tiktoklovehere.comted Reading Time: 2 mins. If you are asking a company to provide an "investigative report" - a report based on personal interviews concerning a person's character, general reputation, personal characteristics, and lifestyle - you must also tell the applicant or employee of his or her right to a description of the nature and scope of the investigation.

Federal government websites often end in. When making personnel decisions - including hiring, retention, promotion, and reassignment - employers sometimes want to consider the backgrounds of applicants and employees.

For example, some employers might try to find out about the person's work history, education, criminal record, financial history, medical history, or use of social media. Except for certain restrictions related to medical and genetic information see below , it's not illegal for an employer to ask questions about an applicant's or employee's background, or to require a background check.

However, any time you use an applicant's or employee's background information to make an employment decision, regardless of how you got the information, you must comply with federal laws that protect applicants and employees from discrimination.

That includes discrimination based on race, color, national origin, sex, or religion; disability; genetic information including family medical history ; and age 40 or older. In addition, when you run background checks through a company in the business of compiling background information, you must comply with the Fair Credit Reporting Act FCRA. This publication explains how to comply with both the federal nondiscrimination laws and the FCRA. It's also a good idea to review the laws of your state and municipality regarding background reports or information because some states and municipalities regulate the use of that information for employment purposes.

In all cases, make sure that you're treating everyone equally. It's illegal to check the background of applicants and employees when that decision is based on a person's race, national origin, color, sex, religion, disability, genetic information including family medical history , or age 40 or older.

For example, asking only people of a certain race about their financial histories or criminal records is evidence of discrimination.

Except in rare circumstances, don't try to get an applicant's or employee's genetic information, which includes family medical history. Even if you have that information, don't use it to make an employment decision. Don't ask any medical questions before a conditional job offer has been made. If the person has already started the job, don't ask medical questions unless you have objective evidence that he or she is unable to do the job or poses a safety risk because of a medical condition.

If you get background information for example, a credit or criminal background report from a company in the business of compiling background information , there are additional procedures the FCRA requires beforehand:. Any background information you receive from any source must not be used to discriminate in violation of federal law.

This means that you should:. When taking an adverse action for example, not hiring an applicant or firing an employee based on background information obtained through a company in the business of compiling background information, the FCRA has additional requirements:. By giving the person the notice in advance, the person has an opportunity to review the report and explain any negative information.

Any personnel or employment records you make or keep including all application forms, regardless of whether the applicant was hired, and other records related to hiring must be preserved for one year after the records were made, or after a personnel action was taken, whichever comes later. The EEOC extends this requirement to two years for educational institutions and for state and local governments.

If the applicant or employee files a charge of discrimination, you must maintain the records until the case is concluded. Once you've satisfied all applicable recordkeeping requirements, you may dispose of any background reports you received. However, the law requires that you dispose of the reports - and any information gathered from them - securely.

That can include burning, pulverizing, or shredding paper documents and disposing of electronic information so that it can't be read or reconstructed. For more information, see "Disposing of Consumer Report Information? To find out more about federal antidiscrimination laws, visit www. The EEOC is responsible for enforcing federal laws that make it illegal to discriminate against a job applicant or an employee because of the person's race, color, religion, sex including pregnancy , national origin, age 40 or older , disability, or genetic information.

The EEOC investigates, conciliates, and mediates charges of employment discrimination, and also files lawsuits in the public interest. For specific information on:. To find out more about federal laws relating to background reports, visit www. For specific information on employment background reports, see:. The FTC works to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to businesses to help them comply with the law.

The site is secure. Background Checks: What Employers Need to Know A joint publication of the Equal Employment Opportunity Commission and the Federal Trade Commission When making personnel decisions - including hiring, retention, promotion, and reassignment - employers sometimes want to consider the backgrounds of applicants and employees.

FTC If you get background information for example, a credit or criminal background report from a company in the business of compiling background information , there are additional procedures the FCRA requires beforehand: Tell the applicant or employee you might use the information for decisions about his or her employment. This notice must be in writing and in a stand-alone format. The notice can't be in an employment application. You can include some minor additional information in the notice like a brief description of the nature of consumer reports , but only if it doesn't confuse or detract from the notice.

If you are asking a company to provide an "investigative report" - a report based on personal interviews concerning a person's character, general reputation, personal characteristics, and lifestyle - you must also tell the applicant or employee of his or her right to a description of the nature and scope of the investigation.

Get the applicant's or employee's written permission to do the background check. This can be part of the document you use to notify the person that you will get the report.

If you want the authorization to allow you to get background reports throughout the person's employment, make sure you say so clearly and conspicuously. Certify to the company from which you are getting the report that you: notified the applicant and got their permission to get a background report; complied with all of the FCRA requirements; and won't discriminate against the applicant or employee, or otherwise misuse the information in violation of federal or state equal opportunity laws or regulations.

Using Background Information EEOC Any background information you receive from any source must not be used to discriminate in violation of federal law. This means that you should: Apply the same standards to everyone, regardless of their race, national origin, color, sex, religion, disability, genetic information including family medical history , or age 40 or older.

For example, if you don't reject applicants of one ethnicity with certain financial histories or criminal records, you can't reject applicants of other ethnicities because they have the same or similar financial histories or criminal records. Take special care when basing employment decisions on background problems that may be more common among people of a certain race, color, national origin, sex, or religion; among people who have a disability; or among people age 40 or older.

For example, employers should not use a policy or practice that excludes people with certain criminal records if the policy or practice significantly disadvantages individuals of a particular race, national origin, or another protected characteristic, and does not accurately predict who will be a responsible, reliable, or safe employee.

In legal terms, the policy or practice has a "disparate impact" and is not "job related and consistent with business necessity. For example, if you are inclined not to hire a person because of a problem caused by a disability, you should allow the person to demonstrate his or her ability to do the job - despite the negative background information - unless doing so would cause significant financial or operational difficulty. FTC When taking an adverse action for example, not hiring an applicant or firing an employee based on background information obtained through a company in the business of compiling background information, the FCRA has additional requirements: Before you take an adverse employment action, you must give the applicant or employee: a notice that includes a copy of the consumer report you relied on to make your decision; and a copy of "A Summary of Your Rights Under the Fair Credit Reporting Act," which you should have received from the company that sold you the report.

After you take an adverse employment action, you must tell the applicant or employee orally, in writing, or electronically : that he or she was rejected because of information in the report; the name, address, and phone number of the company that sold the report; that the company selling the report didn't make the hiring decision, and can't give specific reasons for it; and that he or she has a right to dispute the accuracy or completeness of the report, and to get an additional free report from the reporting company within 60 days.

Disposing of Background Information EEOC Any personnel or employment records you make or keep including all application forms, regardless of whether the applicant was hired, and other records related to hiring must be preserved for one year after the records were made, or after a personnel action was taken, whichever comes later. FTC Once you've satisfied all applicable recordkeeping requirements, you may dispose of any background reports you received.

For specific information on: Preemployment medical inquiries: see Preemployment Disability-Related Questions and Medical Examinations at www. Part at www. FTC To find out more about federal laws relating to background reports, visit www. Click to insert new element.



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