||Oracle Tips by Burleson
Chapter 1 -
The Illusion of Anonymity
Ms. Beebe also relates that any background
investigation should follow the guidelines set forth in the Fair
Credit Reporting Act. One of these guidelines includes the right for
the subject of a background investigation to obtain a copy of the
report if the information it contains was used in making the
decision not to extend a job offer.
Some employers will also conduct a credit history check, especially
when the job involves access to liquid assets. Credit checks are
readily available through online services such as Equifax, Experian,
and TransUnion. While a company may not be able to legally
discriminate against a candidate for irresponsible financial
dealings, it may be able to obtain the following information:
Poor payment history - If the candidate has a history of late
payments, it might relate to their personal integrity and commitment
Defaulting on payments - Failure to meet financial obligations to
creditors is considered immoral by some employers.
Bankruptcy - A lending institution may not hold a bankruptcy filing
against someone beyond the statute of limitations, which is seven
It is important for the savvy job applicant to know their rights.
Some laws may prohibit a company from considering this information
when evaluating a candidate for employment. It is important that
anyone seeking such information acquire proper notification and
authorization when conducting a background investigation. Federal
and State laws provide guidelines mandating explicit permission from
the subject before conducting a background investigation.
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