Pursuant to the Free Annual File Disclosure Rule, 16 C.F.R. Part 610, consumers may request a free annual file disclosure of their credit report. TriCor Employment Screening is happy to assist with providing this report! Please call us at 1-800-818-5116 and select option 4. You may also send a written request to: TriCor Employment Screening, 110 Blaze Industrial Parkway Suite C, Berea, OH 44017. Consumers may check the status of their request by dialing the 800-number above and selecting option 4.

Here are answers to some frequently asked questions regarding this report:

Who is entitled to a report?

All consumers are entitled to one free annual file disclosure. However, it is important to know that TriCor Employment Screening, Ltd will not have current credit information stored on you. We only run and maintain reports on individuals that have applied for employment with one of our customers. Our file on you will reflect your credit standing at that time. In order to receive a current credit standing from one of the 3 major credit bureaus, please follow the link below:

annualcreditreport.com

How do I request a report?

You have 3 options available to you to easily access your consumer file. First, you can call our toll free number of 800-818-5116 option 4 and speak to one of our consumer specialists. Second, you can mail your request to TriCor Employment Screening, 110 Blaze Industrial Parkway Suite C, Berea, OH 44017. Finally, you can use the online request form provided here.

Will the report just get mailed out?

No, to ensure that you are the actual consumer to whom the report relates to, we must verify your identity first. A consumer relations specialist will contact you once we receive your request.

How long will the process take?

Once you have contacted us and your identity confirmed, a report will be sent via the mail within 2 business days.

How do I check the status of the report?

Simply call our toll free number and indicate you would like to check on the status of your request.

Is there any other way than mail to receive a copy of my report?

No. Because we value the privacy and security of all consumers, we do not fax or electronically transmit free annual files for unverified consumers.

As an employer, you may use consumer reports when you hire new employees and when you evaluate current employees for promotion, reassignment or retention.  All reports purchased from a Consumer Reporting Agency (CRA) are defined as consumer reports – not just credit reports.  The Fair Credit Reporting Act (FCRA) governs usage of all employment background screening information that you receive from a CRA, such as TriCor Employment Screening

The FCRA is designed primarily to protect the privacy of consumer report information and to guarantee that the information supplied by the CRA is as accurate as possible.

To ensure compliance with the FCRA, several steps must be followed by the employer.

1. Prior to requesting a consumer report from a CRA, you must have written authorization from the individual informing them that a consumer report may be obtained for employment purposes.
2. If adverse action is anticipated, a Pre-adverse action letter should be given to the applicant along with a copy of the consumer report and summary of rights.
3. If adverse action is taken based ‘in whole or in part’? on information in the consumer report, the consumer must be supplied with the following.
   1. A copy of the consumer report.
   2. A written summary of rights
   3. Adverse action letter

This information is TriCor’s interpretation of the FCRA. It is not intended to be legal advice. Please consult with your legal counsel for more information and their interpretation of the FCRA.

The Fair and Accurate Credit Transactions Act (FACT Act) was enacted in 2003 and amends the Fair Credit Reporting Act.  (FCRA)  It is a federal law that regulates, among other things, who is permitted to access your consumer report and how it can be used.  One entitlement awarded to consumers in the FACT Act is a free yearly copy of their consumer files from Consumer Reporting Agencies.

Tricor Employment Screening is a specialty Consumer Reporting Agency in that we have conducted a background check on you on behalf of our client for employment purposes and therefore you are entitled to receive a copy of that employment related consumer report.  We do not maintain a database on all consumer credit reports and the report we do maintain may not represent your current credit standing.  In order to receive your free copy from the nationwide consumer reporting agencies such as Trans Union, Experian, Equifax please follow the link below.

http://www2.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm

For a free copy of our report please click on contact us and choose your preferred method of contacting us.

Identity Theft

According to the FTC, identity theft occurs when someone uses your name, social security number, date of birth, or other identifying information, without authority, to commit fraud.  Everyone is concerned with identity theft and our company is no exception.

If you have been a victim of identity theft and would like to dispute the findings of our consumer report, please contact us.  For further information please follow the link below:

http://www.consumer.gov/section/scams-and-identity-theft

FTC’s “Remedying the Effects of Identity Theft” Guidelines:

http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt09.pdf

For exact information about the currency of this title as it is published by the House, please visit their website directly: https://www.eeoc.gov/laws/guidance/arrest_conviction.cfm