While all three
CRAs rely on more or less the same pool of data to create your report, they may each show a slightly different result.
Not exact matches
Because different businesses
rely on different
CRAs, it can be helpful to know which report is most likely to be pulled beforehand.
Employers performing background checks to screen applicants or employees may attempt to search these governmental sources themselves or conduct a simple Internet search, but they often
rely on third - party background screening businesses.41 Businesses that sell criminal history information to employers are «consumer reporting agencies» (
CRAs) 42 if they provide the information in «consumer reports «43 under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (FCRA).
Produce guidelines on matching criteria, especially for consumers with common names, to prohibit
CRAs from
relying on name - only matches and requiring
CRAs to use all available data to determine a match before providing a criminal background check report.