Free credit history Colorado

Before, you could request a copy of your "file" but would have to pay for it.

Now, companies that provide employment background check reports have to, as a minimum, set up a toll-free number that gives you instructions on how to get the information in your "file." Companies may but are not required to also provide access to the free "file" disclosure through a web site address. 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 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 free credit history Colorado 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. credit report for free

The FTC has declined to publish a list 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 free credit history Colorado are asked to submit to an employment background check, it is a good idea to ask the employer for the name of the company that 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 free credit history Colorado might draw conclusions about you. where can i get a free credit report An employment report provides everything a standard credit report would provide. However it doesn't free credit history Colorado 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 your credit history to gauge your level of responsibility. Whether a valid assumption or not, some employers believe if you are not reliable in paying free credit history Colorado your bills, then you will not be a reliable employee. Unfortunately, a bad credit report can work against you free credit history Colorado 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.free credit history Colorado htm In addition to your payment history, a credit report typically includes information about your former addresses and previous employers. free consumer credit report Employers can use this as one way to verify the accuracy of information you provide on an application or resume.