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Credit Reports

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Credit Reports describe an individual's credit history over the most recent seven years. These reports differ from standard credit reports in that they are designed specifically for the employment environment. They will not include credit-worthiness ratings and account numbers are disguised for security.

We have direct access to credit reports compiled by TransUnion. They are one of the 3 major credit reporting bureaus collecting information on Americans over the age of 18.

Use of Credit Reports: Employers use Credit Reports for those situations where cash advances, equipment, leased property and managing other people's property are a part of the job. In these situations an employer's knowledge of the applicant's credit history is prudent.

NOTE: Credit information used for employment requires a written policy delineating unacceptable criteria. High potential exists for discrimination and arbitrary selection if such a policy is not used in the decision.

Credit reports of any kind leave tracks. A record of your inquiry will appear on the applicant's future credit reports. The individual will be able to determine when, why, and by whom a Credit Report was ordered. However, it will denote it was for employment purposes only, and therefore will not be a factor in calculating future credit-worthiness ratings.

General Information: All 'end users' must be identified to the credit bureau and issued an identity number before credit reports can be ordered. The Hamilton Group reserves the right to verify the existence and authenticity of any company requesting employment credit reports. This will include, but is not limited to, bank and trade references. We will not sell or give credit information to detective agencies, private investigators, security services, investigators or lawyers, except in the nature of their internal employment needs. Specific End-User Application forms, required by TransUnion, can be found elsewhere on this website.

The Hamilton Group will not knowingly sell these reports for skip tracing, lending or other non-employment purposes. In order to discourage the use of credit history information for other than employment needs, a surcharge of $5 will be added whenever a credit-only request is made. In all cases, the 'end user' must be identified on the release. See Forms Section

To ensure the confidentiality of the applicant's credit report information, Credit Reports cannot be read or described to clients over the telephone.

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