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The Importance of the Fair Credit Reporting Act

A few years ago, you may not have heard much about the Fair Credit Reporting Act. It is an important part of background checks and pre-employment screenings.

Let’s take a look at the definition of the FCRA. The Fair Credit Reporting Act is a federal law that governs how a credit reporting agency handles credit information. The FCRA is designed to protect the integrity and privacy of a person’s credit information. It required credit reporting agencies, and the entities that report credit information to those agencies, to make sure all information is fair, accurate and confidential.

You can see why this is important for background checks.

Background checks and pre-employment screenings need to be accurate in order to best serve potential employers.

Checking credit scores may be part of some background checks. This can be based on the job.

Job seekers need to know that a credit check will be a part of the background check. The FCRA also protects a job seeker’s right to know the results of the credit check and to correct any inaccuracies in the credit check.

If a job application has any questions about the background check process, the Fair Credit Reporting Act should help the applicant get the necessary answers.

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