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Website Launched:  12/26/1994
Last Update:  2/14/2013
The Integrity Center, Inc.

(972) 484-6140
[ Since 1984 ]
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PRESS RELEASE
Myth # 1
The FCRA does not apply
to all situations.

It applies to all consumers, that is, all individuals in the U.S.

"The term 'Consumer Report' means any written, oral, or other communication of any information by a Consumer Reporting Agency (CRA) bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for:

   Credit; or insurance to be used primarily for personal,
family or household purposes;

   Employment purposes; or

   Any other purpose authorized under Section 604."

Section 604 spells out the permissible purposes of Consumer Reports.

"The term 'Consumer Reporting Agency' means any person (or organization) which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports."

Because of this, as an individual, if a report reflects upon you and it was paid for, the FCRA does apply.

COMMON
MYTHS
MYTH # 1
The FCRA does not
apply to all
situations.

MYTH # 2
You don't need a
Release to investigate
current employees.

MYTH # 3
It is legal to use
stored database info
for employment
purposes.

MYTH # 4
Background checking
companies don't need
to be licensed.

MYTH # 5
You can't ask for
Date of Birth.

MYTH # 6
Conviction histories
can only look back
seven (7) years.

MYTH # 7
It is possible to
buy a NATIONAL
criminal history.

MYTH # 8
All SSN verifications
are the same.