Connecticut Consent to Credit History Background and Reference Check

State:
Multi-State
Control #:
US-853LT
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Word; 
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Description

This is a consent form to be signed by Tenant or Employee, permitting a credit history, background and reference check to be performed by the Landlord or Employer.


A criminal history background information check is the review of any and all records containing any information collected and stored in the criminal record repository of the Federal Bureau of Investigation, the state Department of Public Safety, or any other repository of criminal history records, involving a pending arrest or conviction by a criminal justice agency, including, but not limited to, child abuse crime information, conviction record information, fingerprint cards, correctional induction and release information, identifiable descriptions and notations of convictions; provided, however, dissemination of such information is not forbidden by order of any court of competent jurisdiction or by federal law. Criminal history background information generally does not include any analytical records or investigative reports that contain criminal intelligence information or criminal investigation information.

How to fill out Consent To Credit History Background And Reference Check?

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FAQ

Thanks to the Fair Credit Reporting Act (FCRA), employers can't go checking your credit history behind your back. They must have written consent before pulling an applicant's credit history.

FCRA compliance is required for any employer that partners with a background screening company to conduct pre-employment checks.

FCRA rules generally apply any time an employer obtains a background check on a potential job candidate from a third-party source. Among other provisions, and according to the FTC, the FCRA safeguards job applicants by ensuring: They have the right to be informed of a background check.

How Far Back Do Background Checks Go in Connecticut? The seven-year lookback period under the FCRA restricts how far back certain background information can be reported for job applicants.

The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called "file disclosure").

The FCRA applies to any company that collects and sells data about you to third parties. Such companies, known as consumer reporting agencies, must follow the stipulations of the FCRA. The three most well-known consumer reporting agencies in the U.S. are Equifax, TransUnion and Experian.

FCRA also prohibits background check reports from including arrest records or other criminal recordsexcept for convictionsthat are more than seven years old. Convictions can be reported no matter how old. The one exception to this rule is where the applicant is applying for a position that pays $75,000 or more.

Thus, the FCRA is not limited to credit reportingit extends to criminal and civil records, civil lawsuits, reference checks and other information obtained by a consumer reporting agency. The FCRA allows job applicants to sue employers who fail to comply with any requirement imposed by the law.

Credit scores typically do not show up on a background check. Most background checks for employment do not seek credit information, but rather, criminal history. They are typically looking for whether you are dangerous to employ. Some pre-employment screenings do go deeper and look at credit.

In general, background checks typically cover seven years of criminal and court records, but can go back further depending on compliance laws and what is being searched.

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Connecticut Consent to Credit History Background and Reference Check