Where can i get my free credit report New Jersey

Aren't some of my personal records confidential? The following types of information may be useful for an employer to make a hiring decision. However, under the federal Fair Credit Reporting Act, the employer is required to get your permission before obtaining the records. (See PRC Fact Sheet 11, "From Cradle to Grave: Government Records and Your Privacy," www.privacyrights.org/fs/fs11-pub.htm) There are other questions such as age, marital status, and certain psychological tests that employers cannot use when interviewing. These issues are beyond the scope of this fact sheet.

If you have further questions, contact the resources at the end of this fact sheet. The federal Equal Employment Opportunity Commission and the fair employment agencies in the states handle these issues. What can my former employer say about me? Often a potential employer will contact an applicant's past employers. A former boss can say anything [truthful] about your performance.

However, most employers have a policy to only confirm dates of employment, final salary, and other limited information. California law prohibits employers from intentionally interfering with former employees' attempts to find jobs by giving out false or misleading references. (California Labor Code §1050) Under where can i get my free credit report New Jersey California law and the laws of many other states, employees have a right to review their own personnel files and make copies of documents they have signed. getting free credit report If you are a state or federal employee, your personnel file is protected under the California Information Practices Act or the federal Privacy Act of 1974 and can only be disclosed under limited circumstances.

(California Civil Code §56.20; California Labor Code §§432, 1198.5; 5 USC §552a) Jobs such as truck driver positions fall where can i get my free credit report New Jersey under regulations of the federal Department of where can i get my free credit report New Jersey Transportation.

Employers are required to accurately respond to an inquiry from a prospective employer about whether you took a drug test, refused a drug test, or tested positive in a drug test with the where can i get my free credit report New Jersey former or current employer. www.fmcsa.dot.gov/rulesregs/fmcsrhome.htm 4. Who Conducts Background Checks? There are many companies that specialize in employment screening. It is outside the purpose of this fact sheet to identify where can i get my free credit report New Jersey background checking companies by name. check free credit report

The most important thing to keep in mind is that companies conducting background checks fall into several broad categories. 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 where can i get my free credit report New Jersey 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 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.

Finding one of these online companies is as easy as using an Internet search engine to find web sites that specialize in "background checks." where can i get my free credit report New Jersey Employers should beware of companies advertising on the Internet that they can "find everything about anyone." They are not necessarily going to be in strict compliance with federal and state laws, especially the provisions that require accuracy of background check reports. 3 credit report Fair Credit Reporting Act and Background Checks where can i get my free credit report New Jersey The federal Fair Credit Reporting Act (15 USC §1681 et seq.) does not require employers to conduct employment background checks. But the law sets a national standard that employers must follow in employment screening. State laws may give an employee more where can i get my free credit report New Jersey rights than the FCRA. Do I have a right to know when a background check 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.