The FCRA applies to other kinds of consumer reports in addition to employment background checks. If the information in a background check or credit report is used to deny you access to credit, insurance, or employment, the FCRA gives you these rights:
- The right to know what’s in your file.
- The right to dispute incomplete or inaccurate information. If you file a dispute, the consumer reporting agency must reinvestigate the information. If they confirm that the information is accurate, they can keep reporting it. If the consumer reporting agency finds an error, they must remove or correct the information within 30 days.
- The right to see your credit score from consumer reporting agencies that create scores or distribute scores. This right mostly applies in cases of property loans. ScoutLogic does not create or report credit scores, even if an employer runs a credit check on you. In fact, employment credit reports do not include credit scores.
To learn more, read A Summary of Your Rights Under the Fair Credit Reporting Act.