You should know your rights and what the consequences could be if someone checks your credit report without your consent. If you have been subject to an unauthorized credit review by a company or employer, you can sue them. A copy of your credit file should be available to you.
You have the right not to be subject to unauthorized credit checks
If you want to stop unauthorized credit checks, you can use a security freeze. This freeze prevents new credit applications from being approved unless you first grant it. It can also delay new credit approvals. A security freeze is good for protecting your identity. It can also be useful in preventing identity theft. However, it is best to be careful with this security freeze. This process will not stop all 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. The law doesn't prohibit employers from conducting background checks, or any other research. However, it does restrict them from using credit information to make hiring decisions. If you feel your employer has violated your rights, you can file a lawsuit.
You can access your credit report.
If you have been denied credit, you can request a free copy of your credit report. This applies when an entity takes adverse action against your credit report. The entity must provide the name of the credit report bureau and a telephone number that allows you to obtain your report. Because inaccurate information could result in unfair or discriminatory treatment, those on government assistance and unemployed are eligible for free credit reports.
You have the right to sue an employer if it uses your credit report for hiring purposes without your consent. Punitive damages as well as attorney fees can be sought if the information was incorrect or intentionally misleading. However, you should be aware that if you file a lawsuit, you will have to prove that you have been harmed by the unauthorized access.
You have the right request a copy to your credit report
No matter your credit score, good or bad, you have the right of requesting a copy of credit history from any of three major credit bureaus. If you ask for a copy, credit bureaus must provide you all information within their files at the time. In addition, you can request a copy of your credit reports. Furthermore, if you are denied a loan or credit application, the company must give you the name of the credit bureau that denied your application.
The information in your credit report can affect your buying power and your chance of getting a job. Credit bureaus sell this information to businesses for use in loan and insurance decisions. Some employers also use it to make hiring decisions. A copy of your credit history can be requested, but only if you have a legitimate reason to do so. Obtaining a copy of your credit report under false pretenses can result in civil and criminal penalties.