Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. The Fair Credit Reporting Act (FCRA)

Vermont Fair Credit Reporting Act Statute

While you may have heard the terms “hard and soft inquiries” used often when it comes to applying for credit, few people know what they really mean and how they impact credit scores. Hard and soft credit inquiries are both requests to view your credit by retailers, financial institutions, and other lenders. It’s not just

Anyone who has the responsibility of hiring employees and overseeing employment background screening for their dealership has heard the term “national criminal history” search. Although the title sounds all-encompassing when doing a background search, it really is not, which will be explained later in this article. There are a number of criminal records repositories an

Sometimes your background screening company may charge you something referred to as “access fees.” These fees are nothing more than a tax levied by a particular county or state to access either criminal records or Division of Motor Vehicle (DMV) records. These fees are passed along to the client in addition to the fee charged

The average person may not understand the difference between being arrested and being convicted of a crime. As an employer conducting employment background checks, understanding the difference is imperative. An arrest is not a conviction. Also, an arrest does not mean the person is guilty of anything. An individual may have been arrested but may