CR for employment

For a job with a salary of $75K or more, for a mortgage of (I think) $150K or more, they can get a "full report." It shows at least things like judgments and bankruptcies forever. I'm not sure about charged-off accounts.

 

When you pull your own credit reports, are they "full" reports?

If they are not, then the information as provided would be somewhat disingenuous, wouldn't it?

-S

 

When you pull your own reports - they are NOT "full" reports. Yhey're called "reports FOR the consumer" or something like that.
I suppose that if you really want to see a truly "full" credit report you would have to file a suit against the CRA demanding/invoking the Freedom of Information Act provisions.

 

It's a pretty delicate question to ask an employer whether they pull a "full factual" ... but if you have old unpaid baddies and a credit report that shows signs of life for the last 7 years and is clean, you're either litigious or you're witnessing a miracle, because JDBs don't care much about the 7.5 year dropoff rule and will reage like crazy.

So if you find out they pull a full factual, be clear with the person you're interviewing with that you had credit problems in the past but they're all resolved (unless you're in the miracle or litigious categories).

 

Um,

I think this:
Dear Sir or Madam,
It has come to my attention that the credit report I received from your organization, furnished as a requirement of the FCRA may not be a â??full factualâ? credit report, and you may not have disclosed damaging information about me which you are reporting to my potential creditors or employers to me.

If this is true, I believe that your prior dealings with me have not been in good faith and the information product you have provided is disingenuous. I have the right to know all information you are reporting about me to anyone for any reason. That you would not disclose to me the entirety of the information you report about me suggests that you may be reporting defamatory and damaging information about me while attempting to obscure that disputable information from me through a lie of omission.

I require that you either provide me with
a notarized statement, sworn by a person who holds a legally responsible and authoritative role in your organization, which is admissible in a court of law wherein your legally authorized representative attests and avers that the report you provide to myself and to the public in general as the product of your participation in the internet delivered service currently provided at annualcreditreport.com is the full factual report you provide to potential creditors and employers, to be printed on your standard letterhead and delivered to the address above via a service at least equal to surface routed USPS first class domestic mail;
or
full disclosure from you in the form of a human readable printed copy of the full factual report provided to potential creditors and employers, rendered in only American English language, set in type of not less than ten point size nor larger than 14 point size on white paper no larger than standard ASME ANSI D nor smaller than standard ASME ANSI A a sheets of a weight that would normally be opaque. A legally authorized representative of your organization will attest and aver in an included notarized communication printed on your letterhead that the included credit report is a complete full factual credit report as provided to potential creditors and employers. This document will be provided at your cost, sent to the address above via a service at least equal to surface routed USPS first class domestic mail.

You have 30 calendar days from your receipt of this letter, as shown on the certified mail return receipt I will receive in a few days, to comply with my reasonable demands.

Thank you,
Me

Which may be a bit hot headed, but I WANT A HOUSE, and I'm angry because this crap is supposed to be transparent to us, the reported on.

 

Never mind my post about the Freedom of Information Act. The FIA only relates to info the govt. hsd on you, not ctredit reporting agencies.

 

Thought so, but I'd guess that a corporate entity can't fail to disclose to you those things that they publish about you, and I want to believe that a judge of sufficient stature would probably find that the intent of the FCRA's provisions for reportees access to information is intended to be a full disclosure by the CRA.

Also, I recall (as not a lawyer) that corporate entities do not have any 5th amendment rights.

The possibility of Secret Santa bulls#1t, where mystery credit blotches damage my credit but aren't disclosed to me is infuriating.

I've got nothing to lose in trying. Anyone got any suggestions for modifications to my letter?

-S