What are FCRA Background Checks

Larry Smith October 13, 2021 0
When it comes to conducting background checks for employment purposes, the Fair Credit Reporting Act (FCRA) applies to protect consumers.  But that is not the case in every instance.  The FCRA does not cover all background checks.  It covers most. When Does the FCRA Apply? A consumer report is one that bears upon a persons […]
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What is a Charge-off on Credit Reports

Larry Smith October 13, 2021 0
Consumer’s that suffer from debt problems may notice some accounts reporting a “charge-off” on a credit report.  There is a lot of confusion on just what this means.  Does it mean the debt is no longer owed?  Can the creditor still pursue it?  And, how long can it be reported? A charge-off is a designation […]
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