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You can ask the screening company to send the revised report to anyone who has received an employment report about you within the last two years. You also have the right to receive another free copy of your report within 60 days. For more information about an employer’s obligations under the FCRA, see the FTC publication: Using Consumer Reports: What Employers Need to Know:http://business.ftc.gov/documents/bus08-using-consumer-reports-what-employers-need-know For more information about an employee’s rights under the free credit report scores Los Angeles FCRA, see the FTC publication: Employment Background Checks and Credit Reports: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre36.shtm Does the FCRA require that I receive notice and give authorization at any time a background check is obtained? According to FTC staff, the FCRA allows a "free credit report scores Los Angeles blanket" authorization. This means a one-time notice and authorization is sufficent to allow the employer to obtain reports at any time during employment. www.ftc.gov/os/statutes/fcra/james.shtm The requirement to get authorization may, however, be different under state law. In California, for example, notice and authorization is required "free credit report scores Los Angeles at any time before a report is procured." (California Civil Code Sec. 1786.16) The federal law has two significant loopholes. order free credit report

First, if the employer does not use a third-party screening company but, rather conducts the background check itself, it is not subject to the notice and consent provisions free credit report scores Los Angeles of the FCRA. Second, the employer might tell the rejected applicant that its adverse decision was not based on the contents of the background investigation, but, rather that the job free credit report scores Los Angeles pool was so exceptional that it made its hiring decision based on the fact that there were individuals more free credit report scores Los Angeles qualified than the applicant. In both of these situations, the applicant would not have the ability to obtain a copy of the background check to find out what negative information it contained.

We have learned of situations where the individual remained unemployed for years, not knowing that wrongful free credit report scores Los Angeles criminal records which resulted from identity theft were the reason for the individual's failure to find employment. credit reports online

(Read "Identity Theft: The Growing Problem of Wrongful Criminal Records," www.privacyrights.org/ar/wcr.htm.) Recent amendments to California's "investigative consumer reporting" law have free credit report scores Los Angeles closed those loopholes.

California law now requires that individuals who are subject free credit report scores Los Angeles to employment screening are able to obtain a copy of the background check whether or not an adverse action has been taken. And applicants have the same rights to notice and consent whether the employer hires an outside company to conduct the investigation or does the background check itself. And now in California when an individual requests a copy of their report from the consumer reporting agency, the agency must explain their rights free credit report scores Los Angeles in a document written in both free credit report scores Los Angeles English and Spanish.

For more on employment background checks and your rights free credit report scores Los Angeles under the FCRA, see the Federal Trade Commission publication, Employment Background Checks and Credit Reports, www.ftc.gov/bcp/edu/pubs/consumer/credit/cre36.shtm 6. FCRA Update: Workplace Investigations and Annual File Disclosures Recent amendments to the FCRA, known as the Fair and Accurate Credit Transactions Act of 2003 or FACTA, set a new standard for what FACTA calls "employee misconduct investigations." In addition, FACTA says job applicants and employees who have undergone an employment background screening covered by the FCRA may receive a free annual file disclosure from the free credit report scores Los Angeles company that performed the background check. on credit report What is an "employee misconduct investigation"? This is an investigation conducted by a third-party your employer may hire if the employer suspects you of: Why was this change made to the FCRA? This section was adopted to make it clear that employers do not have to get permission to conduct a misconduct investigation.