What Is a "Investigative" Consumer Credit Report?

Hey all:

I just started a new job and I was required to complete a form that would allow my employer to obtain this Investigative Consumer Credit Report about me from the CRAs. The description said this report will contain information about my reputation in the community (i.e. what my neighbors say about me), my credit history, etc.

Well I'm not concerned about what my neighbors say about me (I'm well respected by my neighbors) but I am concerned about those bogus credit accounts that are still appears on some credit reports and not on others. Add that to the fact that TU and Ex refuses to list those accounts as being in dispute (I've sent TU and EX several letters to that effect) and I'm concerned. Could my boss fire me based on derogatory statements contained on my credit report? Has anyone ever gotten fired for having *bad* credit? It should be noted that I've already VOD those bogus creditors and cc'ed the CRAs on this. I also tendered Prom Notes to the creditors to discharge the alleged debt and to illustrate my good faith.

Any comments??

[weishaupt1776]

If push comes to shove, just explain to your boss that the CCR were in error, that you were trying t correct it, you're not a lawyer and couldn't afford an attorney, etc . . You have been irreparbly damaged as a result & are still trying to "correct the record".

It's all about presentation. Look 'em right in the eye when you say it. 8 Ball in the corner pocket.

[seeker]

One woman I know finally landed a job that she loved. And then the credit report came down -- she was let go because of information contained therein. This leads me to believe that we have got to perfect the means to hold them accountable and stop using the tired "Verification Documents Not Available" but still continue to report the item!
The CCC etc are getting craftier and the CRAs are coperating to the fullest extent! They invite you to "contact the original creditor" -- yeah, all over that one! Elsewhere in this forum, I recently posted a letter I received from Citibank regarding this issue. http://forum.suijuris.net/showthread.php?t=2112

I would appreciate feedback on that one! This may be there was of recontracting with us thereby circumventing the VoD process through our non-response.

Help!

Seeker

[Campy]

Is it just me or is the point being missed in this thread? Who gives a crap what the report says. This report is not you, nor is it what you will be. Isnt asking for the documentation in the first place against the law? You cannot be offered a job and have it taken away from you because of what a CC has said about you.

Guys, when someone asks you to take a drug test EVEN IF YOU ARE NOT IN JEAPORDY OF A POSITIVE, you should refuse on site and say this is a complete invasion of my privacy. If someone wants to know how you are in your neighborhood, tell them to contact people in your neighborhood. We have a lot more rights than you know. It may be a battle to land the right job, but if you want an employer who is predjudice to someone who stands up for his/her rights under the current banking system, then it would be the wrong company to work for.

Its not your job to appeal to the lowest common denominator, its your job to raise it.

Am I alone on this one?

Campy

[weishaupt1776]

I'm glad you brought that up, Campy. I wasn't sure how urgent it was for C_C to respond.

C_C you should at least ask if it is mandatory. If they "allude" to it that it is, rephrase the question somehow and then ask if it is voluntary.

Tell him that you have pending litigation that you are not allowed to disclose due to advise legal counsel and as soon as it is cleared up, you will be able to fully disclose the record. Since you are "representing yourself" you won't be lying

[wirlwind]

I agree with Weis. I would explain that there are errors on your report that the CRA's refuse to remove and that it is in litigation, and you have been advised by your attorney not to discuss it.

In many places refusal to take a drug test usually results in termination. Being a plant nurse, and having to deal with random drug screens, I also see the injuries that drug use in the workplace can effect. But I also can see that it is a total invasion of our privacy. I have mixed feelings on that one.

Thanks all for your replies:

First off - I already signed the form and gave them permission to order this report because, well, I need a job and I am under economic duress. Also, it should be noted that the place I'm working for IS a law firm and their policy states that we must disclose any litigation to the firm, even if we are representing ourselves. . . But that's besides the point of this thread.

I guess I'm trying to determine if someone can get canned because they allegedly have poor credit (i.e. 30, 60, 90 day delinquencies). Someone emailed me that portion of the FCRA that speaks of investigative reports and it appears as if it's more like a criminal/background check that includes any convictions and judgments you may have (including bankruptcies). Is this right? If so, I don't have any judgments or anything like that.

If the firm does have something to say about my credit report, I DO plan to tell the firm that 1) the credit reports are wrong since some accounts were declared unverified by some credit bureaus and not others and 2) the original creditor never provided legally sufficient proof of claim and, even if the debt was valid, 3) The debt was already paid in full (i.e. with a 2nd Prom Note) and, 4) I paid these unvalid accounts in an effort to show my good faith.

I did a google search for "Invstigative Consumer Reports" and discovered that 1) an employer cannot fire you if you filed bankruptcy or, among other things 2) if you have not paid a debt that is dischargeable under the Bankruptcy Act. In other words, if your student loans are delinquent, then, yes, an employer can fire you . . . . Everything else such as personal loans, car loans, credit cards, etc. can be discharged if you file for Bankruptcy protection.