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An adverse action notice is to inform you that you have been denied credit, employment, insurance, or other benefits based on information in a credit report. The notice should indicate which credit reporting agency was used, and how to contact them.
If you do not provide any additional information or dispute the accuracy of your background check with Checkr within the number of days provided in your Pre-Adverse Action Notice, you will receive a Post-Adverse action notice, and at which time your account will be deactivated for failing to pass your background check.
If you deny a consumer credit based on information in a consumer report, you must provide an adverse action notice to the consumer. if you grant credit, but on less favorable terms based on information in a consumer report, you must provide a risk-based pricing notice.
As a rule of thumb, the distinction between the two types of investigations can be thought of as simply verifying the specific facts about education, employment or other information the applicant has provided to the employer ("consumer report") versus obtaining more general character or personal information through
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.
An investigative consumer report offers insight employers use to gain a better understanding of a person's character through interviews. These are often in the form of personal and/or professional references. When deciding which might be best, ask what information are you trying to gain.
In the hiring process, adverse action means a company is considering not hiring the applicant or that they may withdraw an offer. Usually, this is based on an adverse report on a consumer report or background check.
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.
Essentially, personal or professional reference verification, and employment verification that stray beyond the realm of facts and into personal character assessments and opinions are considered Investigative Consumer Reports.
A creditor must notify the applicant of adverse action within: 30 days after receiving a complete credit application. 30 days after receiving an incomplete credit application. 30 days after taking action on an existing credit account.