Free annual credit report New York

At the same time, applicants and employees fear that employers can free annual credit report New York dig into the past in ways free annual credit report New York that have nothing to do with the job. This guide explains the why and how of background checks. It also tells you what can be covered in a background report, your rights under the Fair Credit Reporting Act, and what you can do to prepare. For more information, go to the References section at the end of this guide. Why Does an Employer Conduct a Background Check? Employers check potential and current workers for several reasons. The things an employer wants to know about you can vary with the kinds of jobs you might seek.

Here are a few of the reasons for employment screening.

Current events have caused an increase in employment screening. Why should I worry? While some people are not concerned about background investigations, others are uncomfortable with the idea of an investigator poking around in their personal history. In-depth background checks could unearth information that is irrelevant, taken out of context, or just plain wrong. A further concern is that the report might include information that is illegal to use for hiring purposes or which comes from questionable sources. fair credit report What Is Included in a Background Check? Background reports can range from a verification of an applicant's Social Security number to a detailed account of the potential employee's history and acquaintances.

There is even some free annual credit report New York evidence that employers are now searching popular social networking Web sites such as MySpace and Facebook for the profiles of applicants. An October 2007 survey from Vault.com found that 44% of employers use social networking sites to obtain information about job applicants while 39% have searched such sites free annual credit report New York for information about current employees. Read free annual credit report New York about "digital dirt" and the jobseeking process at www.abilitiesenhanced.com/digital-dirt.pdf. Here are some of the pieces of information that might be included in free annual credit report New York a background check. my credit

Note that many of these sources are public records created by government agencies. Information to be included in a background check will almost certainly depend to some extent on the employer and the job free annual credit report New York involved.For many jobs, a state or federal law requires the employer to conduct a background check. Jobs that involve work with children, the elderly or people with disabilities are examples free annual credit report New York ofjobs that will almost certainly require a criminal background check.

In addition to information gathered from documents or databases, employers may also gather information on job applications or employee questionnaires. Concerns about the highly personal nature of some questions can lead to lawsuits. In this case, the Court said personal information required of contract workers at the Jet Propulsion Laboratory was “reasonable” given the government’s interest in screening employees. To read the Supreme Court’s full decision, go to: http://www.supremecourt.gov/opinions/10pdf/09-530.pdf 3. What Cannot Be in a Background Check Report? The federal Fair Credit Reporting Act (FCRA) sets national standards for employment screening.

However, the law only applies free annual credit report New York to background checks performed by an outside company, called a "consumer reporting agency" under the FCRA. online credit reports

The law does free annual credit report New York not apply in situations where the employer conducts background checks inhouse. Your state may have stronger laws, such as California's Investigative Consumer Reporting Agencies Act (Civil Code §1786) and the California Consumer Credit Reporting Agency free annual credit report New York Act (Civil Code §1785). In addition, many state labor codes and state fair employment guidelines limit the content of an employment background check.

(For more on the FCRA, see Part 5.) Under the FCRA, a background check report is called a "consumer report." This is the same "official" name given to your credit report, and the same limits on disclosure apply.