Free credit report with no credit card Salisbury

Your "file" is not the same as your "report." The "report" is the document the background screening company gives to your employer. The FCRA gives you the right to receive a copy of your "report" directly from the employer," but only if the free credit report with no credit card Salisbury employer issues an "adverse action" notice. Your "file" is defined in the FCRA as ".all of the information [about you] free credit report with no credit card Salisbury recorded and retained by a consumer reporting agency regardless of how the information is stored." (FCRA §603(g)) You are entitled to see your "file," whether or not the employer gives the "adverse action" notice. The FTC has declined to publish a list of free credit report with no credit card Salisbury national specialty consumer reporting agencies that are subject to this requirement. We will publish a list of these agencies and the toll free number or other means of access as this information becomes available. credit theft

In the meantime, if you are free credit report with no credit card Salisbury asked to submit to an employment background check, it is a good idea to ask the employer for the name of the company that free credit report with no credit card Salisbury will do the check. Background Checks and Your Credit Report An employment background check often includes a copy of your credit report. The three major credit reporting agencies (Experian, TransUnion, and Equifax) provide a modified version of the credit report called an "employment report." An "employment report" includes information about your credit-payment history and other credit habits from which current or potential employers might free credit report with no credit card Salisbury draw conclusions about you. free three credit report An employment report provides everything a standard credit report would provide. However it doesn't include your credit score or date of birth. Nor does it place an "inquiry" on your credit file that may be seen by a company looking to issue you credit. Having too many credit inquiries tends to lower your credit score. Why does the employer do a credit check? Often employers use free credit report with no credit card Salisbury your credit history to free credit report with no credit card Salisbury gauge your level of responsibility.

Whether a valid assumption or not, some employers believe if you are not reliable in paying your bills, then free credit report with no credit card Salisbury you will not be a reliable employee. Unfortunately, a bad credit report can work against you in your search for employment. For more on how a credit record can affect your job search, see the FTC's fact sheet on this topic, www.ftc.gov/bcp/conline/pubs/alerts/ngcrdtalrt.htm In addition to your payment history, a credit report typically includes information about your former addresses and previous employers. ftc.gov free credit report