The Credit Bureaus and Tenant Screening

The use of credit reporting from the three main credit bureaus, Trans Union, Equifax and Experian by financial institutions has been in play for decades.  As we have written on our blog, there are many other types of consumer reporting agencies that provide information that is governed by the Fair Credit Reporting Act.   There […]
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FCRA Compliance and Criminal History Background Reports

What Happens When a Background Report for a Job Application Picks Up A Conviction Greater Than 7 Years Old? Here’s the scenario:  You go in for a job interview and the application asks if you have been convicted of a crime in the past 7 years.  Maybe you have a record, but it dates back […]
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Reinsertion of an Old Account on your Credit Report

After disputing inaccurate information on your credit report, can the same account or trade line be reinserted without notice? Under the Fair Credit Reporting Act (“FCRA”), the federal statute that was enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of the credit reporting agencies, there are very specific procedures […]
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