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What obligations are imposed upon the employer by the fair credit reporting act of 1968?
The employer must notify the applicant or the employee in writing that such a report is being sought, and in the event that the individual is denied based on the consumer report the employer must inform the individual that is the reason for the rejection and must furnish the applicant with the name and address of the consumer reporting agency that made the report.
How do you report someone to a credit agency?
Consumers don't report their own credit history to credit reporting agencies - Lenders do. However, you can file a consumer alert with each of the agencies that will put your statement on file.
What type of services does Check Systems offer?
Chex Systems is a credit reporting agency. Unlike Trans Union and Experian, who report on consumer credit, Chex Systems reports on mishandling of bank accounts.
Is chex system a credit reporting agency?
Yes it is under the FCRA
Collection acct removed but original creditor still remains?
Yes, reporting to your credit by a collections agency does not effect the reporting originally made by your creditor. It most normal cases you would see the original creditor having reporting the account as a "charge off" regardless of any reporting made by a collections agency afterwords.
