A credit report has information about where a person lives, how they pay their bills, and whether they have filed for bankruptcy. Credit reporting companies and other businesses that provide background information sell these files to employers that, in turn, use it to evaluate applications for employment. Employers also are allowed to use these reports to consider people for retention, promotion or reassignment.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Credit Reporting Act (FCRA), a law that protects the privacy and accuracy of the information in a person's credit report. The FCRA spells out their rights as a job applicant and an employer’s responsibilities when using credit reports and other background information to assess a application.
Several states have passed laws limiting credit reports for employment decisions with provisions that require a nexus to actual job duties. The total number of states that limit employers' use of credit information in employment is now eight. This list of states and a person's rights under Federal and State law that employers must follow when accessing a credit report of a employee or potential employee can be viewed at http://www.badcreditmd.com/
Bad Credit MD, is a free On-line consumer information guide that helps people with credit problems in Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
Bad Credit MD has been in business helping consumers with bad credit since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. This self-help site has over 500 pages of credit advice and articles. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge.