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The FCRA allows employment checks not only for hiring purposes but for other employment purposes such as promotion, retention, or transfer. Credit checks for the purposes of retaining you as an employee allows the employer to check you credit periodically. Once you have given your credit report online free Houston permission, you generally need not be asked again.

Employers may run credit report online free Houston periodic checks, for example, as a way to identify individuals who have a high debt to salary ratio. To an employer, an employee who is overextended credit report online free Houston financially may be more prone to stealing from the company. Can an employer hold that against me? Yes.

The employer might be looking for someone who has an established record of paying bills on time. The FCRA says only that certain things like negative information more than seven years old cannot be considered. The absence of a credit history can also be considered. But if this bit of information means you don't get the job, the employer has to give you an adverse notice decision. For more on an employer's responsibility under the FCRA, see www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt053.shtm 8. business free credit report Investigative Consumer Reports: What Will Your Neighbors Say? Can an employer ask my friends and neighbors about me? Yes. Under the FCRA, a background check that includes interviews with "neighbors, friends, or associates" about your "character, general reputation, personal characteristics, or mode of living" is called an "investigative consumer report." (The term "investigative consumer report" has a different meaning under California Law. See www.leginfo.ca.gov, credit report online free Houston Civil Code §1786.) When information about you is gathered from interviews, the FCRA requires a separate disclosure. You are also entitled to know the "nature and scope" of an investigative consumer report, but you have to ask. free credit reports instantly

For more on how the FTC staff interprets the term "investigative consumer report" and other keys topics under the FCRA, visit the FTC web site www.ftc.gov/os/statutes/fcra/index.htm 9.

How to Prepare for a Background Check Note: If you are concerned about whether a previous arrest, probation or conviction will show up on a background check, click here. When you know you are going to be on the job market, take the following steps to reduce the chances that you and/or the potential employer will be "surprised" by information found in the background check process: Some employers are turning to third-party screening companies suchas Social Intelligence to monitor and report on a potential employee’s social networking activity. Understand that if employers themselves monitor your Internet activity, you do not have rights under the Fair Credit Reporting Act. The Federal Trade Commission investigated Social Intelligence. In a letter dated May credit report online free Houston 9, 2011 the agency announced that credit report online free Houston the investigation was closed but credit report online free Houston made it clear that such companies are subject to the FCRA and that consumers have the same rights as with more traditional background screening conducted by third-party screeners. free goverment credit report To read the FTC’s letter closing the investigation into Social Intelligence, See:http://privacyblog.littler.com/uploads/file/FederalTradeCommissionLetterReSocialIntelligenceCorporation.pdf For further discussion see: Workplace Privacy Counsel blog, “Social Checks” Come of credit report online free Houston Age: What Does it Means for Employers?”, posted July 11, 2011.