If you have any arrests or suspended convictions in your background, you may want to think twice about agreeing to an “instant” or “national” background check online. Some (but not all) of these national credit checks that are conducted through accessing proprietary databases online pick up and report information that should not be reported, such as suspended convictions.
Financial privacy — U.S. consumers have the right to order one free credit report per year from each of the three national credit bureaus. The World Privacy Forum’s landing page about federally-mandated free Annual Credit Reports and the consumer tips for ordering a free annual credit report have been fully updated.
Information about job scams.
The simplest way of accessing your free credit report is to either call or to mail for the report. Please see the tips below for more information about these ways of accessing your credit report. However, if you do decide to retrieve your free credit report via the Internet at the official www.annualcreditreport.com site, please make sure you go to the correct site. You do not have to pay to receive your free annual credit report. If you are on a site that is asking you to pay for your credit report, double check the spelling of the site, or use the call-in and mail-in methods.
In PHRs, important information about privacy procedures and policies is contained in the fine print, and the fine print really matters. That’s because some PHRs are covered under HIPAA privacy protections, but many PHRs are not covered under HIPAA privacy protections. Few consumers understand that their health care files are not always protected under HIPAA when their files are in a PHR.