FCRA - Fair Credit Reporting Act

 

Every employer using credit reports to make employment decisions must abide by the Fair Credit Reporting Act (FCRA). To do that, employers must have a legitimate business need for consumer credit reports, and must take certain steps both before and after they initiate an adverse action based on those reports to avoid violating the law.  Continue FCRA

 

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FAQs

1. How have employers' responsibilities under the FCRA changed? 
2. What are an employee's rights under the FCRA?
3. What information, if any, are employers prohibited from discovering under the FCRA?
4. Other than the FCRA, are there any other laws that may present legal problems when considering an applicant's bad credit in making a hiring decision?

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HR TOOLS

Forms/Documents

FCRA Disclosure and Authorization Statement (Preview)

Format: MS Word

Price: $9.95

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Sample Certification from Company to Consumer Reporting Agency (Preview)

Format: MS Word

Price: $9.95

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Notice of Adverse Action (Preview)

Format: MS Word

Price: $9.95

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Sample "Before" Adverse Action Letter (Free)