When someone checks your credit without your permission, you should be aware of your rights and the potential consequences. Unauthorized credit checks can be brought against an employer or company. You are also entitled to a copy of your credit reports. A copy of your credit file should be available to you.
Unauthorized credit checks are not allowed to be performed on you.
You can use a security freeze to prevent credit checks being unauthorized. A security freeze blocks new credit applications from getting approved, unless you have granted it first. It can also slow down the approval of new credits. A security freeze can protect your identity from theft and is valid for one-year. It is important to use it properly. This will not prevent you from running unauthorized credit checks.
You have the right to sue an employer or company
NYC employers cannot check your credit score because of a human right law. Although this law does not prohibit employers from conducting background checks and other research on you, it does stop them from using your credit information in making employment decisions. You can sue your employer if you believe your rights have been violated.
You have a right to see your credit report
You have the right, under the law to access your credit reports for free if you are refused credit. This right is available if an entity has taken adverse actions against you based upon your credit report. You will be given the name and contact number of the credit bureau. Individuals on government assistance or unemployed can get free copies. This is because incorrect information can result in unfair or discriminatory treatment.
The law allows you to sue an employer for damages if they use your credit report to make hiring decisions without your consent. If you believe the information was false or misleading, you may be able to seek punitive and attorney's costs. But, if you want to file a lawsuit, then you will need to prove that you were affected by the unauthorized access.
You can request a copy your credit report.
You can request a copy from any one of the major credit bureaus of your credit history, regardless of whether you have good credit or poor credit. You can request a copy from any credit bureau. They must provide all the information that they have at the time you request. You also have the right of knowing the identity of anyone who received your report within the last year or so. The company must also give you the name and contact information of any credit bureaus that deny your loan application or denied credit application if it is denied.
The credit information you have on your report can impact your buying power and job prospects. This information is sold to credit bureaus by businesses to help them make loan and insurance decisions. Employers also use it for making hiring decisions. You can request a copy of your credit report, but you shouldn't do it unless you have a legitimate purpose. False pretenses could result in criminal and civil penalties.