State and federal regulatory and legislative changes to an employer's
legal use of credit report, criminal record, and social media background checks present another threat to your background screening program.
Not exact matches
If you have questions about your score, you have the
legal right to ask for your
credit report, which includes all the information that goes into the score, including your record
of mortgage and utility payments, your total debt and the percentage
of available
credit you're
using.
ICFE DCCS ® Independent Study Guide Table
of Contents Consumer Financial Protection Bureau to oversee debt collectors Collection agencies and junk debt buyers - Mini-Miranda What to do if a debtor is contacted about past debts Sample cease and desist letter Fair Debt Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation
of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts
Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples
of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are
using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection:
Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
Credit reports and scores Reviewing
credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit reports with debtors - Permissible
uses Rules about
credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit decisions and notices Debtor education about
credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit reports and FICO scores Specialty
Report Providers Rules to protect consumers in
credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit card debt How to read and understand
credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit reports How to make changes or dispute accuracy Freezing
Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
Credit Files FCRA / FACTA Provisions
of ID Theft victims How
credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit scoring works The
Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
Credit Card Accountability and Disclosure Act
Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resources
The trends include: Number 1: Controversy over Whether Employers
Using Credit Reports for Employment Screening is Discriminatory Increases Number 2: Questions about Criminal Records
of Job Applicants Become More Difficult for Employers to Ask Number 3: Employers Discover Fast and Cheap Online Background Checks
Using Criminal Databases Not Always Accurate or
Legal Number 4: Background Checks
of Temporary Workers Cause for Concern for Employers as Hiring Increases Number 5: International Background Screening More Necessary Due to Mobility
of Workers in Global Economy Number 6:
Using Social Network Sites Such as Facebook to Screen Job Candidates Increases
Legal Risk for Employers Number 7: More Workplace Violence Prevention Education Helps Protect Employers and Employees Number 8: Increased Privacy Concerns Over Offshoring
of Personally Identifiable Information (PII) Number 9: E-Verify and I - 9 Audits Help Government Find Employers with Illegal Workers Number 10: New Accreditation Standards Help Employers Select Background Screening Firms
Some states have somewhat restricted the
use of credit reports, the practice is still considered
legal for employment screening purposes.
Given the increasingly complex
legal environment, employers in 2014 will be faced with the challenges
of ensuring that a background screening provider utilizes best practices to be in compliance with the Fair
Credit Reporting Act (FCRA), the U.S. Equal Employment Opportunity Commission (EEOC) guidance for the
use of criminal records, and applicable state laws as well as accuracy.
The Employment Screening Resources ® (ESR) News blog — ESR News — provides employment screening information for employers, recruiters, and jobseekers on a variety
of topics including «Ban the Box,»
credit reports, criminal records, data privacy, discrimination, E-Verify, jobs
reports,
legal updates, negligent hiring, workplace violence, and
use of search engines and social network sites for background checks.
The
Legal Use of Social Media,
Credit Reports, Driving Records, and International Screening in Hiring
This PBS guideline presents practical information concerning the value
of preemployment background screening, the importance
of the application form, important
legal issues and considerations (such as the Fair
Credit Reporting Act, privacy issues, state laws, rules and regulations), the key elements of preemployment background screening, the types of information to utilize in verifying the key elements, the use of credit reporting agencies in preemployment background screening, and an appendix of a sample preemployment background screening flow
Credit Reporting Act, privacy issues, state laws, rules and regulations), the key elements of preemployment background screening, the types of information to utilize in verifying the key elements, the use of credit reporting agencies in preemployment background screening, and an appendix of a sample preemployment background screening fl
Reporting Act, privacy issues, state laws, rules and regulations), the key elements
of preemployment background screening, the types
of information to utilize in verifying the key elements, the
use of credit reporting agencies in preemployment background screening, and an appendix of a sample preemployment background screening flow
credit reporting agencies in preemployment background screening, and an appendix of a sample preemployment background screening fl
reporting agencies in preemployment background screening, and an appendix
of a sample preemployment background screening flow chart.
In addition, you will learn the advantages
of using credit reports, home warranties, insurance, creative financing, closing procedures, moving plans, closing and settlement inspections, and certain
legal contracts.