How Private Is My Credit Report?


Fact Sheet 6How Private Is My Credit Report?

Credit reports are a gold mine of information about consumers. They contain Social Security number, date of birth, current and previous addresses, telephone number (including unlisted numbers), credit payment status, employment, even legal information.

Facts on FACTA, the Fair and Accurate Credit Transactions Act


Fact Sheet 6aFacts on FACTA, the Fair and Accurate Credit Transactions Act

The Fair and Accurate Credit Transaction Act of 2003 (FACTA) added new sections to the federal Fair Credit Reporting Act (FCRA, 15 U.S.C. 1681 et seq.), intended primarily to help consumers fight the growing crime of identity theft. Accuracy, privacy, limits on information sharing, and new consumer rights to disclosure are included in FACTA. (Pub. L. 108-159, 111 Stat. 1952)

This is all good news for consumers. However, consumers came out on the losing end when Congress virtually barred states from adopting stronger laws. Read our Fact Sheet for a summary and update of FACTA provisions.

"Other" Consumer Reports: What You Should Know about "Specialty" Reports


Fact Sheet 6b"Other" Consumer Reports:
What You Should Know about "Specialty" Reports

Despite its name, the Fair Credit Reporting Act covers a lot more than simply credit reports. Credit reports are just one of a broader category of consumer reports covered by the FCRA. Consumer reports can also include reports about you made to employers, insurance companies, banks, and landlords. In recent years, many new companies have sprouted, compiling reports specifically targeted at employers, insurers, and landlords. The companies that compile reports for targeted users are “consumer reporting agencies” under the FCRA, just like the three national credit bureaus: Experian, TransUnion, and Equifax.

Companies that compile reports on consumers for other than credit have been designated by Congress as “nationwide specialty consumer reporting agencies.” These agencies compile reports about much more than just your credit history. Here are a few examples of the types of reports that they compile:

  • Medical conditions (for example, the Medical Information Bureau (MIB) report)
  • Residential or tenant history and evictions (for example, the Unlawful Detainer (UD) Registry)
  • Check writing history (for example ChexSystems)
  • Employment background checks
  • Homeowner and auto insurance claims (for example, CLUE reports)

Employment Background Checks: A Jobseeker's Guide


Fact Sheet 16Employment Background Checks:
A Jobseeker's Guide

Background reports can range from a verification of an applicant's Social Security number to a detailed account of the potential employee's history and acquaintances. There is even some evidence that employers are now searching popular social networking Web sites such as MySpace and Facebook for the profiles of applicants. This guide explains the why and how of background checks. It also tells you what can be covered in a background report, your rights under the Fair Credit Reporting Act, and what you can do to prepare.

Employment Background Checks in California: A Focus on Accuracy


Fact Sheet 16aEmployment Background Checks in California:
A Focus on Accuracy

Small Business Owner Background Check Guide


Fact Sheet 16bSmall Business Owner Background Check Guide

Small business owners and large corporations alike know the value of good employees. But unlike large corporations, small business owners are often unable to absorb the risks and liability that may come from bad hiring decisions. This guide is intended to acquaint small business owners with basic information about screening applicants and current employees.

Volunteer Background Checks: Giving Back Without Giving Up on Privacy


Fact Sheet 16dVolunteer Background Checks:
Giving Back Without Giving Up on Privacy

Every day, millions of volunteers donate countless hours to good causes. Volunteers mentor to young people, read to toddlers, coach youth sports, tutor in basic math and language skills, change bedpans, prepare and deliver meals, fight fires, provide disaster assistance, and much more. Volunteers can and do perform many of the same duties as paid workers. But, instead of a regular paycheck volunteers do what they do out of a desire to give back to their community.

In today’s queasy, security-conscious climate, organizations are faced with a growing challenge — how to accomplish their mission while protecting the vulnerable population served. At the same time, organizations that rely on volunteers must perform a delicate balancing act — how to properly screen out bad actors without alienating dedicated, privacy-conscious volunteers.

This guide seeks to explore the expanding world of volunteer screening, identify relevant laws as well as fundamental privacy protections, and offer suggestions for organizations and volunteers. References and additional resources are included at the end of this guide.

Criminal Records and Getting Back into the Workforce: Six Critical Steps for Ex-offenders Trying to Get Back into the Workforce (Rosen)


For an ex-offender, a job search can become a frustrating Catch-22. Nearly every employment application will ask in some fashion if a person has a criminal record. If a person lies, then they are always at risk of being terminated upon such a criminal record being discovered. If a person is honest and admits the past misconduct, there is a risk of not getting the job.

CLUE and You: How Insurers Size You Up


Fact Sheet 26CLUE and You:
How Insurers Size You Up

Specialty Reports: What Have They Got on Me?


Most consumers know of their right to free annual credit reports from the three national credit bureaus (Experian, TransUnion and Equifax). But did you know that the same federal law that lets you see your credit reports entitles you to much more?he Fair Credit Reporting Act gives you the right to free copies of numerous so-called specialty consumer reports. These specialty reports provide information on such matters as your medical conditions, insurance claims, check writing history, rental history, and employment history.

Showing 1-10 of 24 results
Syndicate content


X

Sign In!

Loading