INFORMATION FOR APPLICANTS

Consumer Advocate Statement

As an applicant; employee; contractor; renter; or volunteer, you are a consumer with certain rights under the Fair Credit Reporting Act. Edge’s commitment to consumers is to deliver exceptional and professional support services. When you contact Edge you can expect your questions to be answered within a reasonable time and be treated with courtesy, consideration and respect. Edge promotes accuracy, fairness and privacy when it comes to your information.

RIGHTS AFFORDED BY THE FAIR CREDIT REPORTING ACT

AUTHORIZATION

Before an employer can ask for reports about you from any companies that provide them, it must tell you that it might use the information to make a decision. This notice is separate from other documents you get — like an application. An employer may not get a report about you for employment purposes without getting your permission or authorization first, usually in writing.

DISCLOSURE

Employers are required to give applicants separate disclosures prior to requesting a consumer report. The applicant must receive a clear and conspicuous written disclosure that informs them that a consumer report may be obtained and that the report may be used in the employment decision. This written document must be separate from the application packet. The employer must also get written authorization from the applicant before obtaining the consumer report.

Additional disclosures apply if the employer decides, based in part on the report, not to hire the applicant. In such a case, the employer must provide:

  • Notice of the adverse action,
  • A written or electronic copy of their credit score, if the score is obtained
  • Notice of the name, address, and telephone number of the CRA that furnished the report
  • Notice that the applicant can obtain a free copy of the consumer report from the CRA within 60 days
  • Notice that the applicant can dispute the accuracy or completeness of any information in the consumer report with the CRA.

COPY OF REPORT

You may request a copy of your report  and you also have the right to dispute the accuracy or completeness of any information in the report.

SUMMARY OF RIGHTS

Click Here to Read the Full Summary of Rights. The Federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

ADVERSE ACTION

In regards to employment/hiring decisions, an adverse action means a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee. Generally speaking it means an action was taken or a determination was made that is adverse to the interests of the consumer.

FULL FILE DISCLOSURE

Full File Disclosure: Want to know what information Edge maintains in our files about you – Order copies of this information that we use to create consumer reports about you.

Once we have verified your identity, all information will be mailed to the address you provide to us. Edge will also include contact information in case you have questions about the information or feel there is an error in any of the reports.

PLEASE NOTE: Edge is not a credit reporting agency and does not create credit reports. Your Full File Disclosure file may include your credit report only if one was ordered by an Edge client in connection with a background report (for example, if an employer requested your credit report as part of a background check).

Edge has no healthcare or medical information about you, no banking records, nor any information about the goods and services you purchase with credit cards.

CONTACT US IF YOU HAVE QUESTIONS ABOUT YOUR REPORT