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Web Stalkers
Chapter 1 -
The Illusion of Anonymity

Background Investigations

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 to obligations.

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 years.

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.


The above text is an excerpt from:

Web Stalkers
Protect yourself from Internet Criminals & Psychopaths
ISBN 0-97-45993-9-5

by Donald K. Burleson, Stephen Andert
 

http://www.rampant-books.com/book_2004_2_stalkers.htm


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