Credit Reports What procedures should be followed to allow the applicant to get a copy of his/her credit report?
If a credit report was procured by CARCO as part of the background check, the following can occur: (a) if adverse action is contemplated by the employer as a result of information contained in the credit report, prior to taking such action the applicant must be given a copy of the consumer report, including the credit report; or (b) if adverse action is not taken, the applicant may request a copy of the consumer report from CARCO for a reasonable fee. Otherwise, the consumer may request a copy of his/her credit report directly from the credit bureau(s).
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