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Permission for Credit Reports

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bcdebts View Drop Down
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    Posted: 05/April/2005 at 3:47pm
If a credit check is being done on  you, for reasons of employment....Do you have to authorize it, by checking off that its ok on the application, of can they run a check without you consenting?
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momof2 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 05/April/2005 at 6:07pm
i believe you have to consent to it, otherwise you can file a complaint with the privacy commissioner of canada and the offending party can be charged.  dont quote me though.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote kwelmm Quote  Post ReplyReply Direct Link To This Post Posted: 05/April/2005 at 6:24pm
I would think that you would have to consent to it....don't know for sure though either.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote CARGO1 Quote  Post ReplyReply Direct Link To This Post Posted: 05/April/2005 at 11:06pm

Originally posted by momof2 momof2 wrote:

i believe you have to consent to it, otherwise you can file a complaint with the privacy commissioner of canada and the offending party can be charged.  dont quote me though.

 

Sorry Mom I couldnt help myselfwith the qoute ..lol

But you are correct

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Sunny2007 Quote  Post ReplyReply Direct Link To This Post Posted: 22/January/2007 at 8:07am
I would like to know if NCO can look into my credit report without my permission.

Thanks



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Johnny View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 22/January/2007 at 3:47pm
If NCO has been assigned a debt to collect from you, then they can acess your credit history. Your creditor allows them to do it.

Johnny
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Post Options Post Options   Thanks (0) Thanks(0)   Quote masy Quote  Post ReplyReply Direct Link To This Post Posted: 20/February/2007 at 11:45am
"If a credit check is being done on  you, for reasons of employment....Do you have to authorize it, by checking off that its ok on the application, of can they run a check without you consenting? "
 
If there is a section requiring you to ok the request, then I assume that they do need your consent. Contact the privacy commission to find out.
 
Just curious, what type of job requires a credit check anyway? Seems like an odd request to me, but perhaps this is standard in some fields of employment??
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Post Options Post Options   Thanks (0) Thanks(0)   Quote quantumlaw Quote  Post ReplyReply Direct Link To This Post Posted: 02/July/2007 at 9:48am
There is no statutory obligation to allow an employer to investigate your credit. It's none of their business and if they don't hire you, because you refused, you may have a case. There are exceptions however, and this may relate to circumstances for example, if you wish to work for Brinks or the police servfce or perhaps a bank. There is good caselaw in this area. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote quantumlaw Quote  Post ReplyReply Direct Link To This Post Posted: 02/July/2007 at 9:53am
Dear Johnny,
 
Please do not assume that they can access your credit bureau. The collection agency acts as an agent for the creditor, being a bank or the loan program. Collection agencies receive an upload of thousands of files and they run a program to pull a credit bureau on each file. The collector is then assigned the file and they have a copy of your bureau, possibly without even knowing that you did or did not consent in writing to allow any credit bureau member to pull a credit bureau on you.
 
As a consumer, in Ontario, for ex., you must consent in writing.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 02/July/2007 at 1:36pm

 It is a fact. Agencies are alowed to access your credit fuile - and they do. This is one of their tools they use. If a colection agency is hired, they can run reports and they do not need your permission, unfortunately. They do run manual reports all of the time. There are rules that they have to follow, such as not running a report excessively.

 
Collection agencies act for their clients. Unfortunately, their clients give them a little too much freedom in many cases though.
 
Johnny  
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Addie31 Quote  Post ReplyReply Direct Link To This Post Posted: 28/April/2008 at 1:47pm

Does pulling a credit file negatively affect a person's credit rating the same as doing a credit check?  If so, it seems very wrong that a collection agency can pull your file without your permission.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 29/April/2008 at 12:25pm
They do not need your permission (they already have it). The permission is given by the loan provider. The contract states they they are able to rquest this information, and so is any third-party they hire with respect to recovery.
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote harrycool7 Quote  Post ReplyReply Direct Link To This Post Posted: 19/November/2008 at 8:56am
my credit was checked by BACKCHECK even though i did not consent for it! Do I have any rights to sue them ? This will tell my new employer that my credit history is poor. 

Why the hell backcheck pull my history withouth my consent?
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Johnny View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 19/November/2008 at 9:48am
Call Backcheck and see what they have to say.
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
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