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Check Your Credit Report

Check Your Credit Report Regularly

For checking credit reports, there are three main credit report agencies (TransUnion, Experian, and Equifax), who monitor all credit activities of a person throughout his life, right from the time he attains the legal age and begins to use credit for things like car payments and credit cards. The importance of checking credit report is being discussed below.

Background Check Credit Reports: Screening Your Employees

Background-check credit reports are a popular used by employers during the hiring process. These credit reports are a relatively common prehiring technique that, unbeknownst to some employers, can create liability if the appropriate disclosures and notices are not made to potential employees. If your business is one of the many that uses an outside entity or individual to conduct applicant background checks or to investigate current employees, your business must comply with the requirements of the Federal Credit Report Act (FCRA) and the Minnesota Access to Consumer Reports Act (MACRA).

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