Identity theft can seriously disrupt your life. Aside from the many financial difficulties it can cause, you could find yourself losing your healthcare benefits or getting blamed for a crime an identity thief committed. Unfortunately, discovering whether...

The Fair Credit Reporting Act (FCRA) helps ensure that consumer reporting agencies collect the information fairly and accurately while maintaining privacy. This act is crucial for assisting many people since consumer reports majorly affect most people’s...

The Consumer Financial Protection Bureau (CFPB) has recently taken a stance against the reporting of “junk data.” In new guidance issued to background screening companies, the CFPB has clarified that they are obligated to filter for and screen “junk...

Most employers will run a background check on applicants they are seriously considering hiring. This decision is likely routine and not because they have any specific concerns. However, if you have anything that may cause problems in your background,...

When hiring new employees, companies want to ensure they pick candidates who will fit. To do this, more than 90% of employers perform a background check. This step is a routine process in most cases, but sometimes, red flags will come up. You may wonder...

The city commission in Gainesville, Florida, voted to move forward with a new Fair Chance Hiring Ordinance. This ordinance will go before the commission for discussion. This decision is good news for people with a criminal history, as it bans employers...

Every job seeker is looking for that magic moment when an employer recognizes what they can bring to the team. At that moment, the job seeker receives a conditional offer of employment, and it is like being on top of the world. Unfortunately, sometimes...

Most people recognize how important credit scores and credit reports are because they affect significant parts of people’s lives. Such aspects of their lives include attempts to get jobs or places to live. Unfortunately, few understand the Fair...

Most employers will run a background check on you when they seriously consider you as a candidate. They run background checks to see if you are a good fit for their business, verify information on your resume, and determine whether you will improve...

A recent ruling from the U.S. Court of Appeals for the Third Circuit has provided consumers with more ability to challenge consumer reporting agencies (CRA) for violations of the Fair Credit Reporting Act (FCRA). The appeals court ruled in favor of...