Employers are required to review all completed reports provided by their Credit Reporting Agency (CRA) provider to validate that the information received is accurate and up to date. Most importantly, employers must look for any adverse information that could potentially prevent the subject of the report from being hired for the position

A Credit Reporting Agency’s responsibility is to provide public record information from reliable sources, based on services requested from the end-user of the report, which would be the employer. No Credit Reporting Agency should ever be involved in any hiring decision or the adjudication process because that is the employer’s responsibility.