A consumer report contains information about your personal and credit characteristics, character, general reputation, and lifestyle. Some employers only want an applicant’s or employee’s credit payment records; others want driving records and criminal histories.

Who completes a consumer investigative report?

Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection (a) (1), shall make a complete and accurate disclosure of the nature and …

What shows up on a consumer report background check?

Employers routinely obtain consumer reports that include the verification of the applicant/employee’s Social Security number; current and previous residences; employment history, including all personnel files; education; references; credit history and reports; criminal history, including records from any criminal …

What shows up on a consumer background check?

Nearly all background checks include a criminal-history check, based on information supplied by the candidate, including their Social Security number. Criminal background checks will reveal felony and misdemeanor criminal convictions, any pending criminal cases, and any history of incarceration as an adult.

How far back does a consumer report go?

seven years
In California, criminal convictions can only be reported for seven years. Under California civil code (The Investigative Consumer Reporting Agencies Act), any misdemeanors, complaints, indictments, arrests, and convictions older than that cannot be reported on background checks.

What do you mean by investigative consumer report?

An investigative consumer report is a comprehensive estimation that details personal information about an individual including particular characteristics, general reputation, lifestyle patterns, and communal relationships via interviews of former and/or present colleagues, friends, neighbors,…

Can a credit report be used for an investigative report?

These reports are not used to evaluate your creditworthiness per se, and actually, information from your credit report cannot be used in an investigative consumer report. The FCRA distinguishes reports on personal character from credit reports, and a lender may not pull an investigative report as part of the credit-granting process.

What do you need to know about a consumer report?

An investigative consumer report provides information about the applicant’s reputation and character. A motor vehicle report indicates the applicant’s driving history. Information from investigative consumer reports can play a big role in determining whether the applicant is hired.

How are Consumer Reports used in background check?

Investigative consumer reports are most commonly used by employers as part of a background check for job candidates. The candidate typically gives the company the consent to order the reports by filling out and signing the pertinent section of the job application.