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This can range from individuals commonly known as "private investigators," to companies that do nothing but employment screening, and to online data brokers. The National Association of Professional Background Screeners provides a directory of its members on its Web site, www.napbs.com.

Corporations that employ large numbers of people may have an established relationship with a third-party background checking company or may even use an affiliated company for their employment screening. Other background checking companies may work on a less formal basis with employers.

Some screening companies operate in specific areas of the country while others, including some private investigators, conduct background 3 for free credit report Nashville screening nationwide. With the information age upon us, it is easy for employers to gather background information themselves. Much of it is computerized, allowing employers to log on to public records and commercial databases directly through dial-up networks or via the Internet. credit report identity theft

Finding one of 3 for free credit report Nashville these online companies is as easy as using an Internet search engine to find web sites that specialize in "background checks." Employers should beware of companies advertising on the Internet that they can "find everything about anyone." They are not 3 for free credit report Nashville necessarily going to be in strict compliance with federal and state laws, especially the provisions that require accuracy of background check reports. Fair Credit Reporting Act and Background Checks The federal Fair Credit Reporting Act (15 USC §1681 et seq.) does not require employers to conduct employment background checks. free canadian credit report But the law sets a national standard that employers must follow in employment screening. State 3 for free credit report Nashville laws may give an employee more rights than the FCRA. Do I have a right to know when a background check 3 for free credit report Nashville is requested? Yes. Amendments to the FCRA, in effect September 30, 1997, increase the disclosure and consent requirements of employers who use "consumer reports." Such reports might consist only of a credit check. (See Part 7) More extensive reports might include criminal histories, driving records, and interviews with neighbors, friends and associates.

To be covered by the FCRA, the Federal Trade Commission (FTC) says that a report must be prepared by an outside company -- a "consumer reporting agency" 3 for free credit report Nashville or business that "for monetary fees, dues, or 3 for free credit report Nashville on a cooperative nonprofit basis, regularly engages in ... check your free credit report

information on consumers for 3 for free credit report Nashville the purpose of furnishing consumer reports to third parties." (FCRA §603f) Under the FCRA, the employer must obtain the applicant's written authorization before the background check is conducted.