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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'credit report and free Marquette s responsibility under the FCRA, see www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt053.shtm 8. 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 "credit report and free Marquette investigative consumer report" has a different meaning under California Law. See www.leginfo.ca.gov, 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 credit report and free Marquette ask. 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 credit report and free Marquette 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. free credit reports Understand that if employers themselves monitor your Internet activity, you do not have rights under the Fair Credit credit report and free Marquette Reporting Act. The Federal Trade Commission investigated Social Intelligence. In a letter dated May 9, 2011 the agency announced that the investigation was closed but made it clear that credit report and free Marquette 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. 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 Age: What Does it Means for Employers?”, posted July 11, 2011.

http://privacyblog.littler.com/2011/07/articles/background-checks/social-checks-come-of-age-what-does-it-mean-for-employers/#more Do you blog? Re-read your entries from the perspective of a potential employer. Remove or edit postings that could credit report and free Marquette harm your jobseeking efforts. getting a free credit report But don't necessarily remove Web content that shines a light on your positive achievements. A personal Web credit report and free Marquette site or blog that highlights your good deeds could benefit you. You can read more about cleaning up your "digital dirt" at www.abilitiesenhanced.com/digital-dirt.pdf. Laws on Workplace Discrimination Contacting Government Agencies (800) 884-1684 (Within California)(916) 227-0551 (Outside California)Web site: www.dfeh.ca.gov The Privacy Rights Clearinghouse has revised and updated this guide with credit report and free Marquette funding assistance from the Rose Foundation Consumer Privacy Rights Fund.We acknowledge the assistance of Barry Nadell, Nadell Investigations, in developing this guide, www.nadellinvestigations.com We are anationally recognizedconsumer education and advocacy nonprofit dedicated to protecting the privacy of American consumers. It pays to know your score and to inspect your report periodically. Checking your credit score provides a way to explore ways to improve your credit score to save you money paid in interest. When you get your score, you'll also get an explanation credit report and free Marquette of your score and ways you can improve it. At myFico.com, you also gain access to a feature that lets you create hypothetical situations, such as paying off a particular debt or paying credit card bills on time, etc., and see how such actions will affect your score. You can order your FICO Score from the following credit report and free Marquette service: If you'll apply for a mortgage within the next six months, you'd credit report and free Marquette better check the scores from all three credit bureaus. credit fraud protection

Since not all lenders report your payment history to the same bureaus, your credit scores may be different at each other.

You can check your credit score at the three national credit bureaus (TransUnion, Equifax and Experian) by ordering a report at . Lenders know that statistically people with scores credit report and free Marquette of 800 and above comprise 11% of the population. Their delinquency rate is 1%. Out of 100,000 people this means only 110 of them will experience delinquent payments.