Employment Background Checks Must Comply with Fair Credit Reporting Act Regulations

Share |


Employers who perform background checks on potential employees must follow the rules of the Fair Credit Reporting Act.  Background checks can include information from a variety of sources including  consumer credit reports, DMV records, criminal records, and now even social media websites.

Employers must follow FCRA when viewing your Credit Report

Employers who make decisions resulting hiring, retention, promotion, or reassignment must comply with the FCRA. The good folks at Mondaq provided this excellent article on employer FCRA compliance. Mondaq is one of worlds most comprehensive online resources for information.  These guys know what they are doing and provide expertise in Consumer Protection issues, Finance, government regulation, and much, much more. Read more here.

Seasoned Tradelines and Authorized User Accounts 2013

Share |


It has been a while since I last wrote about Tradelines and A/U accounts.  I thought it would be a good idea to catch my readers up on the latest industry news and company reviews regarding this always intriguing subject.  Before I wrote this article, I did an Internet search using the words: "Seasoned Tradelines+Authorized user account."  The results were not surprising.  Google turned up 14,900 results.  Most of the hits were companies selling tradelines in one form or another, but none of the sites (except one) actually explained what tradelines are and how to distinguish between a good deal and a scam. 

After about an hour of visiting sites and reading the same regurgitated information, I came across a site called Tradelinesforum.com. As the address title suggests, it is a forum of individuals discussing the subject of tradelines and authorized user accounts.  And, as  suspected, people are still very much interested in the so-called phenomenon of seasoned tradelines and A/U accounts. I also noticed that people are also still confused about them.  To get a basic understanding of what tradelines are you should read my article here. 

Tradelines are still a viable (and legal) financial instrument that can be used to improve a person's credit score.  And yes, they are still somewhat controversial among some in the credit and finance industry.  Some still say they provide an "artificial" increase in a person's credit score, thus are inherently wrong because the increase is not based upon an actual improvement in someones creditworthiness.  Be that as it may, Tradelines are here to stay.  In my search for the latest information on Tradelines, I ran across a very helpful website - one that I don't think existed a few years ago.  The website reviews what they consider to be the best Tradeline companies.  I trust Tradelinesforum.com, and that is where I found the link to a site called Tradelinesreview.com. This site featured reviews of several websites that offered tradelines for sale.  Of the several sites they reviewed, one company called Superior Tradelines.com was given their highest rating based upon several categories like customer service, knowledge of product, and pricing. 

If you are interested in purchasing a Tradeline I would suggest you give superior Tradelines a call and grill them about their product and their industry knowledge.  The tradelines review website has some excellent suggestions for questions you could ask.