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The Fair Credit Reporting Act
The Fair Credit Reporting Act regulates
pre-employment background investigations. The three primary areas
of concern for employers as outlined below, are reasonable and are
in place to protect the applicant and the employer. The sample copy
of the applicant's authorization and the summary of the applicant's
rights are for advice only. A complete copy of the Fair Credit
Reporting Act may be viewed by visiting: www.ftc.gov/os/statutes/fcra.htm.
The first area of concern requires the
applicant to sign a form that both notifies them of the
investigation that will be conducted and authorizing the employer
and TABB INC. to conduct this background investigation. This
authorization must be separate from the employment application and
must consist solely of the authorization. The applicant must be
notified in writing when a background investigation is being
conducted within three days of your company requesting our office
to conduct this check. You may notify the applicant in writing at
the time of application if you will be requesting the background
check after your interview process. You are not required to provide
this notice if you decide that the candidate is not suitable and a
background check will not be
conducted.
The second area is concerned with
adverse action. If employment is denied in whole or in part due to
information contained in a report by TABB INC., the applicant must
be notified of their rights under the FCRA. A copy of this summary
entitled "A Summary of Your Rights Under the Fair Credit Reporting
Act" must be provided to the applicant if an adverse action is
taken.
The final area concerning the FCRA
requires every company conducting pre-employment background
investigations (TABB INC.) must receive from companies requesting
this service, a signed notification that they are aware of the
legal responsibilities pertaining to the FCRA. The primary
responsibilities are permissible purpose, disclosure to consumer
and adverse action.
Individuals who are concerned about
their personal credit history may obtain a copy of their credit
report by visiting the following link:
http://www.truecredit.com/entry/trueCreditEntry.jsp
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