Privacy Basics

A specialty consumer report (compiled by a specialty consumer reporting agency) may include

A Social Security number (SSN) is a nine digit identification number that has become a universal identifier for both the government and the private sector in the U.S.

A credit score is a numerical value or categorization a lender uses to predict the likelihood of certain credit behaviors (i.e. default). A credit score may also be used to determine the credit terms or rate a person pays for a loan. Read More

Credit reports are compiled by a credit reporting agency and contain data from many different sources. They are commonly used to make decisions about a person’s ability to obtain credit, employment, insurance and rent or purchase a home. Read More

Whether individuals are hired, promoted, retained or allowed to volunteer often depends on information revealed in a background check. Companies conduct background checks on prospective employees and volunteers for many reasons including