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FCRA 101

Posted in News Articles on 12/12/2012

There have been several stories in the news over the past year about background checks – some good and some not so good.  But did you know that while background screening companies are required to follow the Fair Credit Reporting Act (FCRA), companies who work with third party screening companies,…

Oregon Law and Credit Reports

Posted in News Articles on 07/01/2010

The state of Oregon has enacted legislation called the Job Applicant Fairness Act which restricts credit checks on job applicants.  Senate Bill 1045 will limit employers’ access to credit reports on job applicants with certain exceptions. The current exceptions include: employers who are federally insured bankers or credit unions; employers…

How long should you keep employment records?

Posted in Frequently Asked Questions on 05/01/2010

Clients have asked us how long do they need to keep the background screening reports that we supply to them.  According to the Fair Credit Reporting Act (FCRA) Section 618, the statute of limitations states that employees may bring a claim not later than the earlier of: (1) two years…

Database Criminal Searches and the Fair Credit Reporting Act

Posted in News Articles on 11/02/2009

Does your company use criminal database searches to screen applicants?  If so, Section 613 of the Fair Credit Reporting Act states – A consumer reporting agency which furnishes data from public records which are likely to have an adverse effect on a consumer’s ability to obtain employment shall either supply…

Site Inspections

Posted in News Articles on 06/10/2009

We have received questions from our clients asking why a site inspection needs to be done on their company if they want to order a credit report.  The short answer is the credit bureaus require it before we can order and provide a credit report to them for employment purposes. …

Red Flag Alerts – Credit Report Discrepancies

Posted in News Articles on 08/01/2008

Effective November 1, 2008, all users of consumer reports must adhere to the regulations regarding address discrepancies whenever they obtain consumer reports from a nationwide credit reporting agency (CRA).  These regulations apply to all employers or other users of consumer reports and detail specific requirements of a user of these…

FCRA and State Law Review

Posted in News Articles on 11/08/2007

Is your company’s employment screening program Fair Credit Reporting Act and/or state law compliant? Are you obtaining permission to conduct a background check from each applicant/employee you decide to screen? Applicant/employee authorization is required for every person you screen prior to the screening process. Are you using our 50 state compliant…

What is Adverse Action?

Posted in Frequently Asked Questions on 06/04/2007

What is Adverse Action? Section 603(k)(1) of the Fair Credit Reporting Act (FCRA) states that an adverse action is “a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee.”  These decisions include not hiring, not retaining or not promoting an individual. What…

Consumer Reports and Investigative Consumer Reports

Posted in News & Events, News Articles on

What is a Consumer Report? A Consumer Report is defined under the Fair Credit Reporting Act (FCRA) as “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…