Indiana Notice of Adverse Action - Non-Employment - Due to Credit Report

State:
Multi-State
Control #:
US-397EM
Format:
Word; 
Rich Text
Instant download

Description

This notice informs a job applicant that he or she will not receive an offer of employment due to negative credit information.

How to fill out Notice Of Adverse Action - Non-Employment - Due To Credit Report?

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FAQ

What is an adverse action letter? With respect to background checks, an adverse action letter is a written notice required by federal law, delivered in hard copy or electronic form, that informs a job candidate he or she will not be hired for a particular position because of the findings in a background check.

Employers sometimes check credit to get insight into a potential hire, including signs of financial distress that might indicate risk of theft or fraud. They don't get your credit score, but instead see a modified version of your credit report.

Pre-Adverse Action The pre-adverse action letter can be delivered via electronic or hard copy form. Its purpose is to inform the applicant that you will not hire them for the position based on information uncovered in the background check.

Current or potential creditors like credit card issuers, auto lenders and mortgage lenders can pull your credit score and report to determine creditworthiness as well. Credit history is a major factor in determining (a) whether to give you a loan or credit card, and (b) the terms of that loan or credit card.

Why Your Employment Is in Your Credit Report In fact, an employer is on your report because you provided that information on an application for credit. The paperwork for loans, credit cards and finance companies typically have a field for you to submit information about your job.

Continue with the hire or take adverse action Taking adverse action is regrettable for both the organization and the candidate, but eventually you'll need to decide to rescind your job offer or proceed with hiring.

Adverse Action is an action companies take based on the information in a background check report that negatively affects applicant's employment. This could mean denying employment, but can also imply denying a promotion or transfer.

Adverse action generally includes any employment-related decision that negatively affects the employee. The purpose of providing a pre-adverse action notice is to allow the applicant or employee a chance to discuss the background report with the employer before becoming subject to any adverse action.

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.

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Indiana Notice of Adverse Action - Non-Employment - Due to Credit Report