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Credit Checks

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Debt Free Is Wonderful

If an employer checks credit reports when hiring employees, it must follow the legal rules set out in the federal Fair Credit Reporting Act (FCRA).
The FCRA requires employers to:
  • get the applicant's consent before pulling the report
  • give the applicant a warning (along with a copy of the report received) if the employer plans to reject the applicant on the basis of the report, and
  • give the applicant an official adverse action notice if the employer does not hire him or her because of the contents of the report.

An article by  Lisa Guerin, J.D and Nolo explains each of these requirements.

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