Credit Reporting
Does your business use credit reports to evaluate customers’ credit worthiness? Do you consult credit reports when considering evaluating applications for jobs, leases, and insurance? Here is information about your responsibilities when using, reporting, and disposing of information in those credit reports.
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Consumer Reports: What Insurers Need to Know [PDF]
When using credit reports to consider whether to underwrite policies, insurers must comply with the Fair Credit Reporting Act.
Credit Reports: What Information Providers Need To Know [PDF]
If you provide information to a consumer reporting agency – like credit bureaus, tenant screening companies, check verification services, and medical information services – the Fair Credit Reporting Act spells out your legal obligations.
Disposing of Consumer Report Information? New Rule Tells How [PDF]
Do you use credit reports in your business? To protect the privacy of personal information and reduce the risk of fraud and identity theft, the law requires you to take appropriate steps to dispose of credit reports – and the sensitive information you derive from them.
Fair Credit Reporting Act [PDF]
The complete text of the Fair Credit Reporting Act (FCRA) prepared by the staff of the Federal Trade Commission.
Medical Identity Theft: FAQs for Health Care Providers and Health Plans [PDF]
Explains how medical identity theft occurs, and how health care providers and insurers can minimize the risk and help their patients if they’re victimized.
Using Consumer Reports: What Employers Need to Know
Outlines compliance requirements when you hire new employees, and when you evaluate employees for promotion, reassignment, and retention.
Using Consumer Reports: What Landlords Need to Know [PDF]
Landlords may use credit reports to evaluate rental applications — as long as they follow the provisions of the Fair Credit Reporting Act.
