Credit Report Problems

Credit Report Problems

The Fair Credit Reporting Act in Oregon

Oregonians have some consumer protection laws that provide minimal protection of personal credit and background information.  ORS 746.600, et seq. governs the gathering and disclosure of personal information.  However, this statute particularly addresses the insurance industry only.   More importantly, the law does not extend to consumers and give them the right to address any violations in court.  The matters are handled by regulatory agencies within the state.

ORS 659A.320 provides that it is an unlawful employment practice for an employer to obtain or use for employment purposes information contained in the credit history of an applicant for employment or an employee, or to refuse to hire, discharge, demote, suspend, retaliate or otherwise discriminate against an applicant or an employee with regard to promotion, compensation or the terms, conditions or privileges of employment based on information in the credit history of the applicant or employee.  However, there are exceptions when the potential employee is applying to a bank or financial institution or in law enforcement.   In those instances, a credit report can be procured and used in the decision process.

Contact SmithMarco, P.C., Today

If you have an error or inaccurate information on your credit report, there are actions that you can take. Contact SmithMarco, P.C., today for a completely free case review.