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Frequently asked question
Which is the Fair Credit Reporting Act? Fair Credit Reporting Act (FCRA) is a statute that safeguards the confidentiality and precision of the information in your credit report and is implemented by the Federal Trade Commission (FTC), the country's Federal Office for Custody. FCRA defines your candidate privileges and employers' obligations when you use credit reporting and other backgrounds to evaluate your candidacy.
To learn more about the Federal Trade Commission's activities at football, please see the Federal Trade Commission's website at http://www.ftc. gov . Which is a CRA? Consumers' registration authority is a business that collects and registers certain data under private and penal law and experiences of payments with consumers' accounts. Our business is to provide customer coverage. We are a customer coverage agency providing the human resources sector with a range of backgrounds.
Recruitment agents can obtain your consumers' testimonials to help them make the right choices. Recruitment agents are only provided with user accounts which they may or may not use as an aid in their recruitment or rejection work. Which is a customer report? Consumers' testimonials may include information from government record books, vendors, and other information resources that potential employer can use to assess your employability.
Can I get a copy of my data copy? The Fair Credit Reporting Act gives you the right to obtain a free copy of your credit rating from a credit rating agency within twelve months. They are also eligible for a free copy of your consumption record if you fulfil any of the following criteria:
On the basis of information in your personal dossier, you have been informed of an undesirable measure or excluded from work within the last 60 workingdays. If you live in a country in which you are eligible for more than one free copy within twelve months. Believe that your data may contain deceptive information or that you are a victim of ID thievery.
In order to receive a free copy, you must complete a request information request sheet. In case you are not entitled to a free copy of your personal dossier, you can obtain it for a surcharge. You will find the corresponding charges on the application for information for consumers. Where do I need to complete a request for information for consumers?
Consumers Information Request forms help prevent third parties from obtaining unauthorised acces to your personally identifiable information. In order to help prevent your data from being compromised by ID thieves, we cannot review any information in your user database until we have your filled out request for user information forms. Is it possible to pass on my report to a third party?
You can, if you wish, fill in the third party disclosure part of the application information request sheet. In this way, we can share the information in your user record with another person, such as a husband or legal guardian. Your personal information will be used to contact you about your request. In order to help prevent your files from being compromised by ID thieves, we cannot review any particular information in your customer database until we have obtained your filled out part of the third party disclosure on the request for user information request page.
Where can I get the paperwork I need to get a copy of my personal file? In order to be able to access our form, you may need to obtain and reinstall a free copy of Adobe Acrobat Reader. In case you do not have direct contact with a printing company, please call our toll-free line 866.681.7465.
As a rule, within one working week of receipt of your enquiry, we will be happy to provide you with the required application documents. Is it possible to submit my application by e-mail or facsimile? For your own safety, we need you to submit your Consumers Information Requisition Questionnaire by post so that we can have your genuine signatures authorising us to reveal the information in your Consumers Database.
What can I do to challenge information about my user database? Please fill out a reinvestigation questionnaire if you believe that the information in your user database is incorrect. Once we receive your filled-in application we will review the information you have submitted, refresh your verified information in your user database and provide you with an up-to-date copy of your user database within 30 working days.
Somebody else used my I. D., what can I do? When you believe that you are the target of ID thievery, you should consult the credit bureau(s) for information on how to place a scam warning or blocking in your credit card information files. More information about fraudulent identities can be found on the Federal Trade Commission's website at http://www.ftc. gov/bcp/edu/microsites/idtheft/, which includes but is not restricted to "Take Charge:
The " Back ing Back Against Identity Theft ", que vous trouverez sous en cliquant sur la rubrique en ligne pdf . Will I have to make a payment to receive information about my report? According to the Fair Credit Reporting Act, you are eligible for a free copy of your credit rating from a rating agency within twelve months.
They are also eligible for a free copy of your consumption record if you fulfil any of the following criteria: On the basis of the information in your personal record, you have been informed of an incident within the last 60 workingdays, or you have been refused accommodation or work. If you live in a state where you are eligible for more than one free report in a twelve-month interval.
Believe that your data may contain deceptive information or that you are a victim of ID thievery. In order to receive a free copy, you must complete a form to request information from consumers. In case you are not entitled to a free copy of your personal dossier, you can obtain it for a surcharge.
You will find the corresponding charges on the consumer information application sheet.