Credit Infocenter

What to Expect from an Employment Credit Check

October 3rd, 2017 · No Comments · Credit Reports

by Staff

What to Expect from an Employment Credit CheckDo you know how a potential employer can check your credit? Do you know what type of credit information — and other background records — they are going to see? Do you know how to request a copy of this information? What about disputing inaccuracies (an essential step in the credit repair process)? Get the facts about what to expect from an employment credit check.

How employers get permission to check your credit

Not just anyone can check your credit. From lenders to employers, they must have what is called permissible purpose. Permission is automatically granted when you apply for credit, but employers must get your express written consent first.

Not all, or even most, employers check credit, but some do, if only for select positions that require the handling of money or confidential information. You’ll find out whether a credit check is required at some point in the hiring process, at which time they will request your written authorization – of a credit check or more comprehensive background check that may include your credit history.

What this means, of course, is that you can refuse to allow an employer access to your credit. Just be prepared to lose out on the job opportunity.

What they see in an employment credit check

In general, what employers see when they check your credit is very similar to what creditors see:

  • Personally-identifying information (name, social security number, addresses, employers, other names you have gone by)
  • Public records (liens, judgments, bankruptcies)
  • Credit history (credit accounts, payment history, collections, charge offs)

However, what employers will not see in a credit check is your 1) date of birth or 2) credit score.

How an employment credit check affects your reports and scores

It doesn’t. Unlike hard credit inquiries conducted by creditors, which knock a few points off your credit score, your score is not affected by employer credit checks. And unlike creditor credit checks that appear as hard inquiries on your reports, employer credit checks don’t show up on your credit reports at all.

How to request copies of the consumer reports seen by employers

Any company that compiles consumer reports on you is required by law to disclose this information to you – for free – every 12 months. This won’t happen automatically, though. You must request it. (You are also entitled to a free report if its contents resulted in you being denied a job. See other special circumstances in our Credit Reports Guide: 11 Things Simply Explained.)

You’re likely already pretty familiar with three of these companies that may be providing information to employers – Experian, TransUnion, and Equifax. But there are several other consumer reporting agencies that provide employment screening services exclusively.

In any case, each company must be contacted individually to request a copy of your report.

Note, employment screening companies may or may not have any information to disclose to you. As many state on their websites, they will only have reports on you if one of their employer clients has requested they compile one.

How to dispute information included in consumer reports seen by employers

As helpful as it might be simply knowing what’s in the consumer reports seen by employers, what’s even more invaluable is the ability to dispute what’s there. Go through these reports carefully and dispute anything that may be inaccurate or unverifiable. Once you file the dispute, the company is required by law to investigate. If the listing cannot be proven as accurate, it must be corrected or removed.

Tips for filing a dispute

  • Though these companies provide multiple ways for you to dispute information, we highly recommend you dispute via certified mail with return receipt.
  • Use the dispute forms provided by the credit bureau or employment screening company.
  • If there are no forms provided for submitting disputes, follow closely any instruction they provide on what to include in your dispute mailing. In general, be prepared to provide proof of identification, details of the item(s) you are disputing, and supporting documentation. If you are disputing through an employee screening service, be prepared to provide the name of the employer that requested the report, date the report was issued, and report reference number.
  • If you are disputing an item with one of the big three credit bureaus, refer to this dispute letter template that you can edit according to your unique circumstances. (You may want to use it for reference when disputing with an employment screening company. Just be sure to edit it very carefully so that it reflects a reference to your consumer report from an employment screening company, not a credit report from a credit bureau.)

How to contact companies that provide consumer reports to employers

Credit bureaus

The big three credit bureaus provide credit reports directly to employers. They also provide credit information to employment screening services. So no matter which type of company an employer uses to check your credit, checking the accuracy of your credit reports through Experian, TransUnion, and Equifax is of the utmost importance.

You can request your reports from the big three bureaus through AnnualCreditReport.com, where you can order free copies from each bureau every 12 months. Beyond that, you can monitor your credit reports (and scores) through free credit monitoring sites year-round.

Below is the contact information you’ll need for submitting credit disputes through the credit bureaus.

Experian

You can dispute information in your Experian credit report:

  • By mail (which we recommend):

Experian
P.O. Box 4500
Allen, TX 75013

See Experian dispute instructions.

TransUnion

You can dispute information in your TransUnion credit report:

  • By mail (which we recommend):

TransUnion
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016

  • By phone: 800-916-8800
  • Online

See TransUnion dispute instructions.

Equifax

You can dispute information in your Equifax credit report:

  • By mail (which we recommend):

Equifax
P.O. Box 740256
Atlanta, GA 30374

  • By phone: 866-349-5191
  • Online

See Equifax dispute instructions.

Employment screening services

In addition to the information included in your credit reports from the big three bureaus, background checks provided by employment screening services may provide employers with your:

  • Employment history (employers, job titles, salary, and dates of employment)
  • Education records
  • Driving records
  • Vehicle registration
  • Court records
  • Sex offender records

Information employers have access to varies by state. Learn more about background checks from the U.S. Equal Employment Opportunity Commission.

Below is the contact information you’ll need for employment screening services commonly used by employers. Again, these companies may or may not have any information to disclose to you.

Accurate Background

You can request a copy of your Accurate Background consumer report:

  • By phone: 800-216-8024
  • By email: customer_service@accuratebackground.com

You can dispute information in your Accurate Background consumer report:

  • By mail (which we recommend):

Accurate Background
Dispute Department
7515 Irvine Center Drive
Irvine, CA 92618

  • By phone: 800-216-8024
  • By fax: 855-785-4434
  • By email: disputes@accuratebackground.com

See Accurate Background dispute instructions.

American DataBank

We could not find any specific information online for how to request a copy of your American DataBank consumer report. We called their toll-free number (800-200-0853) and were told that if a potential employer requests a background check on you then that employer will give you a unique website address where you can view your report.

You can dispute information in your American DataBank consumer report:

  • By mail (which we recommend):

American DataBank – Disputes
110 16th Street, 8th Floor
Denver, CO 80202

  • By phone: 303-573-1130 or 1-800-200-0853
  • By fax: 303-573-1298
  • By email: disputes@americandatabank.com
  • Online

See American DataBank dispute instructions.

backgroundchecks.com

You can request a copy of your backgroundchecks.com consumer report:

  • By mail:

backgroundchecks.com
Attn: Consumer Relations Department
P.O. Box 353
Chapin, South Carolina 29036

  • By phone: 866-265-6602
  • By fax: 866-306-9258

You can dispute the information in your backgroundchecks.com consumer report:

  • By mail (which we recommend):

backgroundchecks.com
Attn: Consumer Relations Department
P.O. Box 353
Chapin, South Carolina 29036

  • By phone: 866-265-6602
  • By fax: 866-306-9258

See backgroundchecks.com dispute instructions.

First Advantage

You can request a copy of your First Advantage consumer report:

  • By mail:

First Advantage Consumer Center
P.O. Box 105292
Atlanta, GA 30348-5292

  • By phone: 800-845-6004
  • By fax: 727-214-2127
  • By email: documents@fadv.com

You can dispute the information in your First Advantage consumer report:

  • By mail (which we recommend):

First Advantage Consumer Center
P.O. Box 105292
Atlanta, GA 30348-5292

See First Advantage dispute instructions.

General Information Services

You can request a copy of your General Information Services consumer report:

  • By mail:

General Information Services (GIS)
PO Box 353
Chapin, SC 29036

  • By phone: 866-265-4917
  • By fax: 866-265-4921
  • Online

You can dispute the information in your General Information Services consumer report:

  • By mail (which we recommend):

General Information Services (GIS)
PO Box 353
Chapin, SC 29036

  • By phone: 866-265-4917
  • By fax: 866-265-4921

See General Information Services dispute instructions.

HireRight

You can request a copy of your HireRight consumer report:

  • Online
  • By phone: 800-381-0645
  • By fax: 918-664-5520
  • By mail:HireRight
    Attn: Consumers Department
    14002 E. 21st Street, Suite 1200
    Tulsa, OK 74134

You can dispute the information in your HireRight consumer report:

  • By mail (which we recommend):HireRight
    Attn: Consumers Department
    14002 E. 21st Street, Suite 1200
    Tulsa, OK 74134
  • By phone: 866-521-6995
  • Fax: 918-664-5520
  • Online

See HireRight dispute instructions.

Info Cubic Background Checks

You can request a copy of your Info Cubic consumer report using this form:

  • By mail:

Info Cubic LLC
Attn: Compliance Department
9250 E Costilla Ave suite 525
Greenwood Village, CO 80112

  • By fax: 877-578-9558
  • By email: compliance@infocubic.com
  • Online

You can dispute the information in your Info Cubic consumer report using this form:

  • By mail (which we recommend):

Info Cubic LLC
Attn: Compliance Department
9250 E Costilla Ave suite 525
Greenwood Village, CO 80112

  • By fax: 303-220-0171
  • By email: compliance@infocubic.com
  • Online

See InfoCubic dispute instructions.

IntelliCorp

You can request a copy of your IntelliCorp consumer report using this form:

  • By mail:

IntelliCorp Records, Inc.
3000 Auburn Drive, Suite 410
Beachwood, Ohio 44122

  • By phone: 866-202-1436
  • By fax: 216-450-5279

You can dispute the information in your IntelliCorp consumer report using this form:

  • By mail (which we recommend):

IntelliCorp Records, Inc.
3000 Auburn Drive, Suite 410
Beachwood, Ohio 44122

  • By phone: 866-202-1436
  • By fax: 216-450-5279
  • By email: reinvestigation@intellicorp.net

See IntelliCorp dispute instructions.

OPENonline

You can request a copy of your OPENonline consumer report using this form:

  • By mail (which we recommend):

OPENonline LLC
Attn: Compliance
PO Box 549
Columbus, OH 43216-0549

  • By phone:888-381-5656
  • By fax: 614-481-6980
  • Email:compliance@openonline.com

You can dispute the information in your OPENonline consumer report using this form:

  • By mail:

OPENonline LLC
Attn: Compliance
PO Box 549
Columbus, OH 43216-0549

See OPENonline dispute instructions.

Pre-employ.com

You can request a copy of your Pre-employ.com consumer report using this form:

  • By mail:

MyBackgroundCheck.com
P.O.Box 491570
Redding, CA 96049-1570

  • By fax: 800-503-2371

You can dispute the information in your Pre-employ.com consumer report:

  • By mail (which we recommend):

Pre-employ.com
PO Box 491570
Redding, CA 96049

  • By email: compliance@pre-employ.com
  • Online

See Pre-employ.com consumer resource information.

Sterling Talent Solutions

You can request a copy of your Sterling Talent Solutions consumer report:

  • Online
  • By phone: 888-889-5248

You can dispute the information in your Sterling Talent Solutions consumer report:

By phone: 888-889-5248*

*Tell them you prefer to dispute by mail. Ask for an address, if there is a dispute form they would like for you to use, and what information they need for you to include.

See Sterling Talent Solutions consumer FAQs.

Trak 1

You can request a copy of your Trak 1 consumer report using this form:

  • By mail:

Trak-1 Consumer Disputes
7131 Riverside Parkway
Tulsa, Oklahoma 74136

  • By fax: 918-779-6521, ATTN: Consumer Disputes
  • By email: disputes@trak-1.com
  • Online

You can dispute the information in your Trak 1 consumer report using this form:

  • By mail (which we recommend):

Trak-1 Consumer Disputes
7131 Riverside Parkway
Tulsa, Oklahoma 74136

  • By email: disputes@trak-1.com
  • Online

See Trak 1 consumer FAQs.

The Work Number (from Equifax)

You can request a copy of your The Work Number consumer report using this form:

  • By mail:

Equifax Workforce Solutions
ATTN: EDR
3470 Rider Trail South
Earth City, MO 63045

  • By fax: 877-879-8182
  • By email: EDR@equifax.com
  • By phone: 866-604-6570

You can dispute the information in your The Work Number consumer report using this form:

  • By mail:

Equifax Workforce Solutions
ATTN: DISPUTE
3470 Rider Trail South
Earth City, MO 63045

  • By fax: 314-812-6822
  • By phone: 866-222-5880

See The Work Number dispute instructions.

Other credit reporting agencies

There are dozens of consumer reporting agencies that the Consumer Financial Protection Bureau says need to be on your radar. This includes the big three credit bureaus, as well as employment screening companies, but also agencies dedicated to tenant screening, check and bank screening, and more. What are these 46 consumer reporting agencies saying about you?

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