Credit & Employment Background Checks
Each year, thousands of people are turned down for credit cards, mortgages, student loans, consumer loans and employment and housing opportunities because of inaccurate information in their credit reports. You have the right to view your credit reports, know what information they contain, dispute information that is wrong or outdated, and have it removed from your report. Likewise, employers are becoming increasingly reliant upon pre-employment background checks, which are intended to uncover undisclosed criminal records. These reports are often riddled with errors, containing information pertaining to unrelated individuals, expunged offenses, or misstated levels of offense.
If your credit report or background report is wrong through no fault of your own, we can help. We offer a FREE case review and can assist you in either ensuring that your report is corrected in a timely manner or by pursuing a claim against those who have failed to comply with the Fair Credit Reporting Act.
The three nationwide consumer reporting companies have set up a central website, toll-free telephone number, and mailing address through which you can order your free annual report. To order, visit www.annualcreditreport.com, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide consumer reporting companies individually.
You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide consumer reporting companies every 12 months.
Additionally, we provide prospective clients with forms to obtain free copies of more complete background reports maintained by nationwide screening agencies like HireRight, ADP, First Advantage, LexisNexis, A-Check America, and others. If you believe you have lost employment due to an inaccurate background report, contact us for more information regarding your rights under the Fair Credit Reporting Act.