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Increasingly, consumers' credit reports are being accessed by entities with no plans to lend you money. Employers, insurers, and landlords can check on your credit, but these inquiries have little or no impact on your credit report.

Investigative consumer reports, which require approval from the individual, are often more detailed than credit reports. Investigative consumer reports are not usually for evaluating creditworthiness, but are more concerned about judging an individual's character for licensing, tenancy, or employment.

(e) The term "investigative consumer report" means a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with ...

If an employer initially seeks only a consumer report but later decides to request an investigative consumer report, then the employer must provide this specialized disclosure within three days after making the request.

Hundreds of companies provide employment background checks and qualify as consumer reporting agencies. Employment reports often include credit checks, criminal background checks, public records such as bankruptcy filings and other court documents and information related to your employment history.

A consumer report contains information about your personal and credit characteristics, character, general reputation, and lifestyle. ... Some employers only want an applicant's or employee's credit payment records; others want driving records and criminal histories.

Investigative reports through the FCRA are defined as information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may ...

During the Background Check There can be extenuating circumstances, such as court closures, severe weather or unresponsiveness by past employers or academic institutions that cause delays in the process. On average, Asurint completes a consumer report within 24-48 hours.

Nearly all background checks include a criminal-history check, based on information supplied by the candidate, including their Social Security number. These checks will reveal felony and misdemeanor criminal convictions, any pending criminal cases, and any history of incarceration as an adult.

You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from AnnualCreditReport.com.

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© Copyright 1997-2025
airSlate Legal Forms, Inc.
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Form Packages
Adoption
Bankruptcy
Contractors
Divorce
Home Sales
Employment
Identity Theft
Incorporation
Landlord Tenant
Living Trust
Name Change
Personal Planning
Small Business
Wills & Estates
Packages A-Z
Form Categories
Affidavits
Bankruptcy
Bill of Sale
Corporate - LLC
Divorce
Employment
Identity Theft
Internet Technology
Landlord Tenant
Living Wills
Name Change
Power of Attorney
Real Estate
Small Estates
Wills
All Forms
Forms A-Z
Form Library
Customer Service
Terms of Service
DMCA Policy
About Us
Blog
Affiliates
Contact Us
Privacy Notice
Delete My Account
Site Map
All Forms
Search all Forms
Industries
Forms in Spanish
Localized Forms
Legal Guides
Real Estate Handbook
All Guides
Prepared for You
Notarize
Incorporation services
Our Customers
For Consumers
For Small Business
For Attorneys
Our Sites
US Legal Forms
USLegal
FormsPass
pdfFiller
signNow
airSlate workflows
DocHub
Instapage
Social Media
Call us now toll free:
1-877-389-0141
As seen in:
  • USA Today logo picture
  • CBC News logo picture
  • LA Times logo picture
  • The Washington Post logo picture
  • AP logo picture
  • Forbes logo picture
© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232