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.

The Work Number's Employment Database May Contain Inaccurate Information Reported by Employer

San Diego, CA -- The Work Number provides authorized users usually within Human Resources departments with automated employment and income verification services of nearly 80 million employees of 1,000 participating employers. Problems brought to the attention of the PRC include allegations that job titles have been misreported, indicating that an employee had a lesser job title than indicated on their resume and inaccuracies specifically with Johnson & Johnson noting employee "termination" rather than separation.  Possible inaccurate records may affect the ability for employees noted in The Work Number records to gain employment with job prospects due to perceived inflated job titles and indications that a previous employee has been fired.

Joint Comments to the California Department of Insurance Proposed Regulations RH 03031129: Property Loss Databases

A crisis exists in California's homeowner's insurance market. In May of this year, the Department noted a four-fold increase in the number of consumer complaints about homeowner's insurance, topping the Department's complaint hotline.2 Non-renewal of coverage was a leading cause of consumer complaints, nearly always based on information included in a CLUE or A-Plus report. Adverse insurer decisions based upon inaccurate information included in reports was also a leading cause of consumer complaints.

One of the most troubling practices noted was that of a consumer's insurance being cancelled simply because the individual made an inquiry to the insurer without ever having filed a claim for loss.

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.


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