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Consumer Resource Links

Background ChecksThe new  Consumer Financial Protection Bureau (“CFPB”) will be enforcing the Fair Credit Reporting Act (“FCRA”). The CFPB has modified previous forms utilized for background checks and the new changes take place January 01, 2014. The new forms are as follows:

These forms must be in place by both employers and consumer reporting agencies (“CRAs”) no later than January 1, 2013. The updated version makes it clear that the CFPB is now the agency handling consumer inquiries and complaints. Previously, these issues were handled by the Federal Trade Commission.

The CFPB is working to assist consumers in understanding the terms of their agreements with financial companies. They are attempting to streamline regulations within this industry and streamline the process for Consumer Reporting Agencies. According to CFPB’s website, Congress established the CFPB to protect consumers with the following:

  • Carry out Federal consumer financial laws
  • Conduct rule-making, supervision and enforcement for Federal consumer financial protection laws
  • Restrict unfair, deceptive or abusive acts or practices
  • Take consumer complaints
  • Promote financial education
  • Research consumer behavior
  • Monitor Financial markets for new risks to customers
  • Enforce laws that outlaw discrimination and other unfair treatment in consumer finance

More information can be found on their website at

Fair Credit Reporting Act Major Links

 Click here

Applying for a Job

Before you apply for a job, it’s a good idea to order a free copy of your credit report. Each of the nationwide credit reporting companies — TransUnion, Equifax, and Experian — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it.

To order, visit or call 1-877-322-8228. When you order, you’ll need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some additional information that only you would know — for example, the amount of your monthly mortgage payment if you own a home. Each of the three national credit reporting companies may ask you for different information.

If you prefer to order your reports by mail, complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

You can use this form, or you can print it from

For more information about the genuine real free yearly credit reports, click on Your Access to Free Credit Reports at

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