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Downloadable Documents for

Step 4 Pre-Adverse Action

Pre-Adverse Action Letter Sample

Summary of Your Rights Under the Fair Credit Reporting Act

Remedying the Effects of Identity Theft1

Article 23-A of the NY Correction Law2

Summary of Your Rights Under the New Jersey Fair Credit Reporting Act3

Summary of Your Rights Under the Washington Fair Credit Reporting Act3

Information Concerning the Process for Correcting a Criminal Record in Massachusetts3

Copy of Background Check Policy3 (Massachusetts only)

1 Inclusion of this document is a best practice. Satisfies legal requirements under the FCRA if a consumer later believes they have been the victim of identity theft or fraud.
2 Seek legal counsel to determine which state specific requirements apply to your unique organization. Required by NY law to give copy to consumer at the time you request an investigative consumer report as well as any time a hit is revealed on a criminal report even if you won’t be taking adverse action.
3 Seek legal counsel to determine which state specific requirements apply to your unique organization.