Resources
Adverse Action Documents
In compliance with the Fair Credit Reporting Act, employers are required to notify an applicant if information obtained from a consumer reporting company is used, in whole or in part, in the decision to deny employment. Barada Associates, Inc provides sample adverse action letters to our clients.
National Association of Professional Background Screeners
Founded in 2003 as a non-profit trade association, NAPBS® serves to represent the interest of companies offering tenant, employment and background screening. NAPBS® offers an opportunity for qualified companies to participate in shaping the body of knowledge and regulations impacting our futures. Barada Associates has been a member since 2003.
Federal Trade Commission
The FTC deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers’ interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies; develops policy and research tools through hearings, workshops, and conferences; and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies.
Fair Credit Reporting Act
The staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq.
Applicant Packet (This document contains 3 sections)
“Applicant Disclosure and Release” – This 1 page release MUST be signed by every applicant BEFORE you place an order for any employment report including Reference Reports, Verifications or Background Checks. It must remain a stand-alone” document and may not be combined with other forms or applications.
“A Summary of Your Rights (Consumer)” – This is a 2 page informational document that explains the applicant’s rights under the FCRA. It MUST be given to every applicant along with the Applicant Disclosure and Release.
“Applicant Information Form” – The fields in this document correspond to the fields you will be completing online when you place an order for Academic Verifications, Employment Verifications, Professional License, or Reference Reports. The Applicant is not required to complete this form, but you may find it is a useful tool and that the format facilitates online order entry.
Client Packet (This document contains 3 sections)
“Client User Certification” – This 1 page agreement must be signed and returned to us by fax (877/576-2806) or mail (130 East Second Street, Rushville, IN 46173) prior to activating your account.
“Notice to Users of Consumer Reports” – This is a 7 page informational document that explains why we have the Client User Certification and sets out your obligations as a user of reports along with our obligations as a seller of reports under the FCRA. You may keep it for your records.
“Online User Information” – Use this 1 page form to designate authorized users for your online account and establishes contact information. Please complete it, and fax it back to us along with your signed Client User Certification.
