Missouri Consent to Credit History Background and Reference Check

State:
Multi-State
Control #:
US-853LT
Format:
Word; 
Rich Text
Instant download

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.

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FAQ

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 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.

Again, a credit check likely won't affect your chances of getting a job unless you're pursuing a financial or management position or may be privy to sensitive information. If you plan to work with a company's finances, the hiring managers want to make sure you handle money responsibly.

In addition to the basics (name, address, previous addresses, and social security number), a credit check also includes information such as outstanding debtsmortgages, medical debt, or student loans, for example. The report also includes bankruptcies, credit limits, tax liens, and more.

Open record information includes (1) records containing convictions, such as plead guilty to, or convicted of, (2) arrest information that is less than 30 days old from the date of arrest, (3) prosecutor filed charges awaiting final disposition from the court, and (4) records that contain a suspended imposition of

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.

Or are credit history background checks a separate tool? There is a simple answer to these questions: a criminal background check will never include any information about a person's credit history.

The short answer is no, your credit score doesn't usually show up on a standard background check though sometimes landlords may submit a request for a credit score separately. (You'll have to give your written permission for them to do so.)

Missouri does not otherwise have a state statute governing use of background checks in employment and private employers may require applicants to undergo background checks or disclose criminal convictions. Professional licensing laws in Missouri touch upon the use and legal effect of prior criminal backgrounds.

The FCRA and Missouri's expungement law control how far back an employment background check can go. The FCRA includes a seven-year restriction for reporting certain types of information when an employer is hiring for a job that pays less than $75,000.

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Missouri Consent to Credit History Background and Reference Check