An article in the New York Times, “A Free Credit Score Followed by a Monthly Bill”, points out the simple irony of a website called FreeCreditReport.com – best known for its entertaining television commercials featuring a band consisting of three slacker friends singing songs about ruined credit report scores while waiting tables dressed as pirates or performing at a Renaissance Faire – that may not actually be free and could charge customers $14.95 per month.
According to IMPORTANT INFORMATION on the FreeCreditReport.com website, when consumers order their free credit report they also begin a free trial membership with a credit report monitoring service and will be billed $14.95 every month if they don't cancel the membership within a 7-day trial period. The website also discloses that, “under a new Federal law” (the Fair and Accurate Credit Transactions Act, or FACTA, of 2003), consumers have the right to receive a free copy of their credit report once every 12 months from each of the three nationwide consumer reporting companies – Experian (which owns FreeCreditReport.com), Equifax, and TransUnion – and to request their free annual credit reports consumers must go to www.AnnualCreditReport.com.
Even with information about free credit reports available, credit report monitoring services are approaching one billion dollars in sales with nine million people spending between $650 million to $700 million annually, according to the Times article. To end the confusion over free credit reports, the Times reports that the Federal Trade Commission (FTC) has tried for years to get Experian to follow disclosure requirements for its “free credit report” ads and even asked Experian to give it the FreeCreditReport.com URL, but to no avail. So the FTC created its own site at FreeCreditReport.gov that includes videos spoofing the FreeCreditReport.com commercials.
Most recently, Senator Charles E. Schumer (D - NY), issued a news release asking the FTC to force FreeCreditReport.com and other companies like it to give away the credit report before asking for customers’ credit card numbers to make clear to consumers that the sites intended to charge them for credit report monitoring and not to confirm their identification. The FTC also has proposed new rules to prevent deceptive marketing of so-called “free credit reports” by February 2010, the Times reports.
The bottom line? Consumers should never forget the Latin phrase Caveat emptor (“Let the buyer beware”) when making any kind of purchase. While – according to another old saying – there may be “no such thing as a free lunch,” there apparently is such a thing as a “free credit report” as long as you know where to get it (or remember to cancel your free trial membership in time).
Along with credit reports, consumers should also be aware of the contents of their criminal background checks. While most background check companies focus only on employers, MyBackgroundCheck.com – a pioneer in consumer requested background checks – allows individuals to perform “personal” background checks on themselves that help kept personal information is accurate, current, and secure. For more information on personal background checks, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. To follow MyBackgroundCheck.com on Twitter, visit www.twitter.com/MyBackgroundChk.
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An error on a background check may prevent a prospective employee from getting hired for work, but could an error on a background check get an already hired employee fired from a job?
The answer is “Yes” according to an article in the Baltimore Sun that tells the story of a woman in Maryland who was fired from her job after an error on a government background check mistakenly deemed her “unsuitable” for work on a government contract even though she had no criminal record.
According to the Sun, Eschol Amelia “Amy” Studnitz, 59, lost her $58,000 a year accounting job at Corporate Mailing Services (CMS) in July because a background check investigation for the Social Security Administration (SSA) – the government agency CMS had won a contract to handle mail for – was returned as unsuitable for the low-level (Level 1) security clearance needed for all employees at the CMS facility in Arbutus, Maryland.
However, the Sun reports that the SSA wrote a follow-up letter to CMS in August reversing its decision on the background check so that Studnitz could work on the new contract, but Studnitz was not reinstated by her former employer due to reorganizing and supposed performance shortfalls or hired elsewhere in this tough job market. Studnitz has also asked Representative Roscoe Bartlett (R - MD) to look into her case, and Bartlett is also considering legislation to address future similar situations where inaccurate government criminal background checks are the cause of action for loss of jobs for government work, according to the Sun.
With background checks becoming increasingly common, the Sun report on Studnitz’s firing shows the impact that glitches in databases used during the background check process can have on employees, employers, and even the government. While firings based on mistakes in background checks are relatively rare, errors and inaccuracies on background checks do occur and should be avoided at all costs – especially when the cost includes employment. Some jobseekers are literally taking background check investigations into their own hands by ordering “personal” background checks on themselves to make sure their personal information is accurate, current, and secure.
While most background check companies focus only on employers, MyBackgroundCheck.com – a pioneer in consumer requested background checks – offers both jobseekers and current employees the opportunity to perform personal background checks on themselves to protect their personal information. For more information on personal background checks, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. To follow MyBackgroundCheck.com on Twitter, visit www.twitter.com/MyBackgroundChk.
tahearn@mybackgroundcheck.com
*We welcome relevant comments and questions from consumers, experts, and human resources professionals. Please do not submit comments with advertisements as they will not be posted publicly. Thanks for visiting our blog!
According to an article in USA TODAY, screening volunteers with criminal background checks has become common in many volunteer organizations, and background checks are seen as an effective way to protect children, the elderly, and the disabled from sex offenders and people with criminal pasts — and protect volunteer organizations from liability over negligent recruiting.
The Bureau of Labor Statistics (BLS) of the U.S. Department of Labor's "VOLUNTEERING IN THE UNITED STATES, 2008" report reveals that approximately 61.8 million people (or 26.4 percent of the population) volunteered at least once between September 2007 and September 2008.
If volunteers in America work with children, the elderly, and the disabled, they most likely undergo criminal background checks that look for "red flags" such as drug felonies, domestic violence, child abuse, and sex crimes, USA TODAY reports. Using background checks on volunteers has grown steadily since 1993, when the National Child Protection Act became law and enabled organizations to use criminal background checks to screen out volunteers with criminal records, according to USA TODAY, and some states have enacted their own laws concerning volunteer background checks:
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Florida: A 2005 state law requires school districts to run potential volunteers through the sexual predator and offender database.
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Minnesota: A 2008 state law made background checks mandatory for volunteers who work with children, the elderly, the disabled, and other vulnerable populations.
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Ohio: A 2001 state law encourages youth organizations to require background checks for volunteers.
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Oregon: A 2001 state law authorizes the State Police to conduct national background checks on people volunteering to work with children, the elderly and the disabled.
Ensuring the safety and security of members and the community should be a top priority for volunteer organizations, and they need a volunteer background check program in place that meets the specific requirements of for volunteer screening, MyBackgroundCheck.com — a pioneer in the consumer requested and applicant supplied background check industry — has developed a unique and comprehensive Volunteer Tracking System (VTS) for volunteer background checks that tracks volunteer applicants that effectively manages risk, significantly reduces volunteer background check costs, and protects volunteers, volunteer organizations, and the community.
For more information about MyBackgroundCheck.com's Volunteer Tracking System (VTS) for volunteer background checks, visit www.volunteertrackingsystem.com, call 1-800-503-2364, or request information. Take a Volunteer Screening and Risk Management Nonprofit Organization Survey. Follow MyBackgroundCheck.com on Twitter at www.twitter.com/MyBackgroundChk.
tahearn@mybackgroundcheck.com
*We welcome relevant comments and questions from consumers, experts, and human resources professionals. Please do not submit comments with advertisements as they will not be posted publicly. Thanks for visiting our blog!
While many types of identity theft cases have been duly reported on this website, a unique story from New Hampshire tells of an identity thief who allegedly committed identity theft while awaiting sentencing on a conviction for identity theft.
According to SeaCoastOnline.com, Ramie Marston, 40, who was waiting to be sentenced for stealing her nanny's identity to make over $60,000 in fraudulent purchases, allegedly committed identity theft using a businessman's credit card, checks, and debit card to purchas $8,000 in unauthorized goods that included a diamond ring, a puppy, and music downloads.
Marston is also being investigated by police in several areas for a string of alleged identity thefts committed after her guilty pleas in June to three felonies related to identity theft, SeaCoastOnline.com reports. She is scheduled to be sentenced in October.
Identity theft is committed by all types of people. As a result of identity theft cases like this, consumers should be far more wary about protecting their personal information. This particular case shows that some “serial” identity thieves will possibly keep committing identity theft even after prior convictions.
To help protect against identity theft, “personal” background checks – where people perform background checks on themselves – can ensure that personal information is current, accurate, and secure. While many background check firms only service businesses, MyBackgroundCheck.com – a pioneer in consumer requested background checks – offers individuals affordable “personal” background check services. Over one million individuals have purchased background checks through MyBackgroundCheck.com. For more information about personal background checks, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, or call 1-800-503-2364. Follow us on Twitter at www.twitter.com/MyBackgroundChk.
tahearn@mybackgroundcheck.com
*We welcome relevant comments and questions from consumers, experts, and human resources professionals. Please do not submit comments with advertisements as they will not be posted publicly. Thanks for visiting our blog!
The Better Business Bureau (BBB) is warning jobseekers to be cautious during their search for employment and to watch out for background check scams, phishing attacks, and identity theft.
According to the BBB, with the national unemployment rate close to 10 percent, and 13 states experiencing unemployment rates in the double-digits, the threat of identity theft, phishing, and background check scams targeting job seekers is rising with unemployment rates because scammers are out to take advantage of the unemployed.
In a press release, the BBB warns jobseekers to beware of three scams in particular that could lead to lost money, missed opportunities, and identity theft.
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Job Offers Requiring Upfront Fees: Recently, job ads from a company in Florida claiming it needed 2,500 employees for their new headquarters asked applicants had to submit $24 to pay for a background check, money that was later discovered only went to the company’s owner. Similar schemes are appearing across the country.
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Job Placement Companies Making Promises They Can’t Deliver: Job placement companies, or headhunter firms, usually do NOT charge the job seekers but are paid by companies that need help filling positions. However, one Maryland company charged $195 and guaranteed it could find jobseekers work, but the jobseekers didn’t receive call backs, jobs, or refunds.
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Phishing Attacks By Fake Businesses To Commit Identity Theft: "Phishing" involves spam e-mails with job offers directing jobseekers to websites designed to solicit financial information for identity theft. The jobseekers may also find out they have been hired and immediately be asked for bank account or Social Security numbers.
In order to avoid identity theft or background check scams, the BBB advises jobseekers to be cautious when responding to unsolicited e-mails from supposed employers, fully research job placement companies, and not pay money to employers up front for services such as background checks without vetting the companies first.
To avoid background check scams and protect against identity theft, jobseekers may also want to perform "personal" background checks on themselves to make sure their personal information is current, accurate, and secure. While many background check firms only service employers, companies like MyBackgroundCheck.com – a pioneer in consumer requested background checks – offers "personal" background checks for individuals to use as jobseekers and consumers to use to protect against identity theft. Over one million individuals have purchased background checks through MyBackgroundCheck.com in the past year.
For more information about how jobseekers can use personal background checks to help prevent identity theft, visit www.mybackgroundcheck.com, email info@mybackgroundcheck.com, call 1-800-503-2364, and follow on Twitter at www.twitter.com/MyBackgroundChk.
tahearn@mybackgroundcheck.com
*We welcome relevant comments and questions from consumers, experts, and human resources professionals. Please do not submit comments with advertisements as they will not be posted publicly. Thanks for visiting our blog!