What is a Credit Inquiry (and what is the difference between hard inquiries and soft inquiries)?
Broadly speaking, a credit inquiry is a request by a financial institution or other company (like a potential landlord) for information about a consumer’s creditworthiness from a consumer reporting agency (CRA), which are commonly called credit bureaus. The big three credit bureaus are Equifax, Experian, and TransUnion. A fourth credit bureau currently making a push […]
Employment background check report errors
You’re applying for a job, and you learn that you’ve been accepted. As you, ecstatic, read through the acceptance letter, you see a short note of fine print saying that your job offer is contingent on a review of your employment background check. “No problem” you think, “I don’t have any criminal history, nothing to […]
Can I sue for a false background check report?
The Fair Credit Reporting Act (FCRA) provides you with specific rights when an employer or potential employer conducts a background check about you and receives a background check report that includes false information. Ultimately, you may end up needing to file a federal lawsuit pursuant to the FCRA if you lose your job or are […]
Employment background check companies: Check your reports
The information below is on the CFPB’s 2021 list of consumer reporting companies Accurate Background Provides background screening services. Free report: The company will provide one free report if you request it and if the company has a file on you. Website: accurate.com Phone: 800-216-8024 Address: Accurate Background, Inc. 7515 Irvine Center Drive Irvine, CA […]