Employment Denial due to credit
mhaney
10 Posts
One of our supervisors interviewed a young man last week and felt he would be a good fit for the position she was filling...until we received his credit report. He had completed an authorization for us to run a credit and background check. After looking at his credit report it was decided it would be too much of a risk (we are a bank and it was a position with too much access). The supervisor emailed the applicant and told him she would not be able to hire him due to his credit.
What procedure do we need to follow now? I think we have to mail a denial letter along with a copy of his credit report. I have read a couple places that we should send those separately though. Just a little uncertain of what procedure we need to follow. We don't typically send denial letters.
Also, if anyone knows a good place to get a sample denial letter or has one they would want to share that would be helpful.
Thanks
What procedure do we need to follow now? I think we have to mail a denial letter along with a copy of his credit report. I have read a couple places that we should send those separately though. Just a little uncertain of what procedure we need to follow. We don't typically send denial letters.
Also, if anyone knows a good place to get a sample denial letter or has one they would want to share that would be helpful.
Thanks
Comments
We are also a bank, so at the time we did this, I got all the FCRA information from our loan department and did the letters based upon the letters they send out when denying a loan applicant based on their credit report. Assuming you are a lending institution, you should be able to do the same thing and get the information you need on how to handle this situation should it ever arise again.