The Fair Credit Reporting Act also provides that a consumer reporting agency that furnishes a consumer report for employment purposes and which, for that purpose, compiles and reports items of information on consumers that are matters of public record and are likely to have an adverse effect on a consumer's ability to obtain employment must: (1) at the time the public record information is reported to the user of the consumer report, notify the consumer of the fact that public record information is being reported by the consumer reporting agency, together with the name and address of the person to whom the information is being reported; or (2) maintain strict procedures designed to insure that whenever public record information likely to have an adverse effect on a consumer's ability to obtain employment is reported, it is complete and up to date.
New Hampshire Notice to Consumer of Report of Public Record Information Likely to Have Adverse Effect
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How to fill out Notice To Consumer Of Report Of Public Record Information Likely To Have Adverse Effect?
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FAQ
A consumer report is any written, oral or other communication of any information by a Consumer Reporting Agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
A credit report is a summary of your credit history, including the types of credit accounts you've had, your payment history and certain other information such as your credit limits.
Information excluded from consumer reports further include: Arrest records more than 7 years old. Items of adverse information, except criminal convictions older than 7 years. Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years.
It's important to review your credit reports from the three nationwide consumer reporting companies?Equifax, TransUnion, and Experian?every twelve months to ensure they are accurate and complete.
Examples of consumer reports include criminal background checks and credit reports.
Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
