Your "file" is not the same as your "three credit report Iowa 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 employer issues an "adverse action" notice. Your "file" is defined in the FCRA as ".all of the information [about you] recorded and retained by a consumer reporting agency regardless of how the information is stored." (FCRA §603(g)) three credit report Iowa You are entitled to see your "three credit report Iowa file," whether or not the employer gives the "adverse action" notice. national free credit report The FTC has declined to publish a list three credit report Iowa of 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. In the meantime, if you are asked to submit to an employment background check, it is three credit report Iowa a good idea to ask the employer for the name of the company that will do the check. credit score scale Background Checks and Your three credit report Iowa 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 draw three credit report Iowa conclusions about you. An employment report provides everything a standard credit report would provide. However it doesn't include your credit score or date of birth. fcra free credit report Nor does it place an "inquiry" on your credit three credit report Iowa 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 your credit history to gauge your level of responsibility.
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