Do these show up on credit reports? since our credit reports are a factor in determining our "character" I was wondering if criminal history is also factored in. I've noticed on some job apps. that they ask if you have ever been conviced of a felony, noting that answering yes would not preclude employment. Then a few lines later they ask permission to run a credit check, noting that a poor credit rating could pose an unacceptable risk.....am I missing something? beck
yeah I think under public records if you are a felon? I am not sure, I am not a felon, yet. <==hehe Also I think if there was a crime involving a child, that too is on a credit report. I am not positive on all this.
I found this on a site offering you an online credit report: ------------------------ Certain pieces of personal information cannot be in your credit report: Medical information (unless you give your consent). Notice of bankruptcy (Chapter 11) that is more than 10 years old. Debts (including delinquent child support payments) that are more than seven years old. For California residents, records of arrest, information, or misdemeanor complaints must be removed after seven years. But under federal law, records of criminal convictions may remain on a credit report indefinitely. Age, marital status, or race (if the request is from a current or prospective employer). ------------------------ -Peace, Dave
But under federal law, records of criminal convictions may remain on a credit report indefinitely. ----------------------------------------------------------------------------------- NOW WE GOTTA' LOOK FOR MORE INCORRECT GARBAGE ON YOUR REPORTS!!! If you get someone elses CONVICTION on your report, HOW WOULD YOU DISPUTE IT??? I guess the same way if they say YOUR DEAD?!?!?!?!?!
For California residents, records of ARREST, INFORMATION, or misdemeanor COMPLAINTS must be removed after 7 years, I'm still fuming over the medical stuff so I'm not even gonna go there but arrested is arrested, not convicted information is information, not a sentence COMPLAINTS!!!!! I'm gonna faint -- what happened until innocent until proven guilty? Well, I see what happened, if you're proven guilty it stays indefinately, if you're accused it only haunts you for 7 years. Amazing AMAZINGGGGGGGGGGGG Sassy
Depends when you look at it, if you lean to the left 45 degrees it could be 63.643 pts or if lean to the right it might be 76.938 pts. Its all in the balance and how you cock your head to the monitor.
I asked this question before and the general belief then was that it did not appear on the credit report. If I can find a way to ask the question in a delicate manner, I will check with some of my relatives and see if their credit report shows a criminal conviction. I know one person who just got out of prison on an armed robbery conviction and was able to buy a car this weekend with no problem. Good interest rate. Of course, maybe they felt there would be no problem coming up with the payments.
beck - just curious- what did you do? Are you going to have to do time? If so, try to get into a Florida prison. They are a lot nicer than other states and have easy early release programs. The best known is what they call CRAP (this is really the name). It stands for criminal released - any program. If they can find anyone who will say the guy is going into a rehab program, they release the bad guy. I know a con man released under this program who set up a new scam north of Orlando. While running the new scam, he was getting credit for doing time. They actually counted him as a prisoner, even though he lived at home and they never checked up on him. How do we ever get off on these tangents?
umm no criminal records are never on credit records. There is a bureau, called the FBI who maintains criminal records. This bureau, im sure is hard to dispute against. By requestion your FBI records, you in itself start your own file. When jobs query for criminal inquiries they go to the state and FBI for such information. Criminal records are all public entries, just like judgements. No credit report will ever have criminal records. Just like Your SEX, it would be criminal to discriminate against this for the purpose of lending you $$$ etc.. When you sign an employment agreement you are usually signing for both a Criminal records check and a credit bureau report. Cheers
They're probably referring to a consumer report, which would include credit information and any criminal history.
I didn't do anything, i swear!!! I've been a very good girl ;-) i was just wondering how a CR can determine my character. i BK'ed, that's legal. This has me labled as ah lahooooaazaherrrrrrr. my friends hubby dui, dui dui, assault, dui ect. no providian cards for them, chase plat. i was just wondering
Sam, How come you say never, convictions are public records, and public records are included. BTW, I think they have not been included to date because there was no easy way to accumulate and distribute the information. The Freedom of Information Act has changed that, there's an online database in my state listing criminal records, a summary of the docket, disposition -- free of charge. It's criminal to discriminate against a criminal? Rina, a consumer report is the same as a credit report, the link you posted is just specific to using one for employment purposes Sassy § 603. Definitions; rules of construction [15 U.S.C. § 1681a] (d) Consumer report. (1) In general. The term "consumer report" means any written, oral, or other communication of any information by a consumer reporting agency 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 (A) credit or insurance to be used primarily for personal, family, or household purposes; (B) employment purposes; or (C) any other purpose authorized under section 604 [§ 1681b]. 2) Exclusions. The term "consumer report" does not include (A) any (i) report containing information solely as to transactions or experiences between the consumer and the person making the report; (ii) communication of that information among persons related by common ownership or affiliated by corporate control; or (iii) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; (p) Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis. The term "consumer reporting agency that compiles and maintains files on consumers on a nationwide basis" means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide: (1) Public record information. (2) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
It's criminal to discriminate against a criminal? ------------------------------------------------------------------------------- Some ILLEGAL alien was killed in the DENVER area by the police and they sued for $millions... Some CIVIL rights were VIOLATED...THEY OVER-RULED THE FACT HE WAS HERE ILLEGALLY~~~IT ALSO DIDN'T MATTER HE REFUSED TO DROP HIS GUN HE WAS POINTING AT THE POLICE!!!
For a real criminal background check, you have to sign a special form, and they take your fingerprints. In VA it is done by the state police, and it costs $20. I've had them done - more than once. Sometimes I have to pay for them.
ok George, kinda like the immigrants families suing here for their being no water available in the middle of the desert once they made it across the border. Felons loose their civil rights and convictions could cost you a job, I don't know how that's discrimination -- that's why I was wondering. nodding breeze, I understand, have had them done myself. I'm wondering though, before the availability of online public databases, criminal histories via fingerprints were the only way to get that information. My concern is, just because the records haven't been reported doesn't mean they won't and aren't allowed to be. I think they haven't been just because it wasn't easily done. Nope, I'm no criminal either, never arrested, not even a ticket or an accident -- I'm just curious. It reads like it is set up already to allow for that kind of reporting and the online databases are just becoming available, I'm wondering if they will incorporate it into the reports. The regulation that Dave posted for California residents perked me up -- arrests, complaints and information for 7 years, a conviction indefinately. That means the rest of us don't even have that protection. And, I think it's the investigative consumer report that allows for reporting information based on interviewing neighbors, associates, friends, etc. awwwwwwwwwww heck, I should just put my tinfoil hat back on. Sassy
