How long is a background check good for access to a consortium owner site?

A credit report is sourced at one of the three major credit bureaus. A credit report can reveal if an applicant has lived at a particular address or addresses for a length of time and can be an indicator of how responsibly he/she has handled personal financial affairs. In some states, this product can only be used for certain positions, such as fiduciary or executive management positions, or for certain regulated employers. Note, no credit score is provided on the credit report for employment purposes. State and local laws restrict when a credit report can be obtained for employment purposes.

Organizations owe it to themselves and their customers to research the background of potential employees and volunteers to ensure the safety of other employees, customers, and their property. The most effective method to accomplish this is by conducting thorough background checks. The costs of fraud, embezzlement, theft, and violence are a multi-billion dollar drain on our economy, bleeding organizations both large and small. One of the most compelling reasons organizations now conduct background checks is to uncover deception or fraud. For example, it can confirm whether an individual provided accurate information on his/her resume or application. Depending on the industry, some form of background investigation may be required, whether because it is mandated by law or because their insurance company demands it.

According to the Fair Credit Reporting Act (FCRA) § 604 – 15 U.S.C. § 1681b, employers are required to provide applicants with a separate written disclosure, which advises that a consumer report may be obtained for employment purposes. The document must consist solely of the disclosure as a stand-alone document. Additionally, the employer also must obtain the applicant’s written consent to order the background check.