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LSDefine

Simple English definitions for legal terms

consumer report

Read a random definition: personal evidence

A quick definition of consumer report:

A consumer report is a document that contains information about a person's background. This information is collected by companies called consumer reporting agencies and can include things like how they handle money, their work history, and even what they do online. Employers and creditors use this report to decide whether to hire or loan money to someone. The person being checked has to give permission for this report to be made, and there are rules about what information can be included. Some states have extra rules about what employers can look at, like how someone has used credit in the past.

A more thorough explanation:

A consumer report is a type of background check that is conducted by consumer reporting agencies. This report is used by employers and creditors to determine whether to hire or loan money to an individual. The report can contain a variety of information, such as:

  • Credit history
  • Past bankruptcy
  • Judicial records
  • Employment records
  • Online activity

For example, if you apply for a job, the employer may request a consumer report to see if you have a history of being responsible with money or if you have a criminal record. Similarly, if you apply for a loan, the creditor may request a consumer report to see if you have a history of paying your bills on time.

It's important to note that consumer reports can only be accessed with your approval and are highly regulated by the Fair Credit Reporting Act (FCRA). Some states may also have additional restrictions on what information can be collected by employers, such as credit history.

consumer protection laws | consumer reporting agencies (CRA)

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windyMagician
19:23
it doesn't hurt its just tingly
Dkk
19:26
It needs more alcohol. You tingle when your nerves need watering.
19:27
try stretching it maybe to see what's up
windyMagician
19:27
stretches make me think it's just soreness
windyMagician
19:27
I'm sober lol
Dkk
19:38
Anyone else get the google notification that your LSD password has been compromised lol. LSD got hacked.
20:48
what.jpg @Dkk
CynicalOops
21:03
You think you just fell out of a coconut tree?
jackfrost11770
21:10
nope dk
CynicalOops
22:37
Calvinamala Harris
jackfrost11770
23:16
should i start using letterboxed again
Dkk
23:25
@jackfrost11770: if you want but like it aint for me
dk do u ever eat at bk
Dkk
23:48
@chickenburgahfart: I would do that in the Army if really desperate for food or if I had to work through lunch. One of the few fast food places I go to.
bk so slept on
Dkk
0:23
I will take In N Out everyday over it when I can though.
texaslawhopefully
1:22
In N Out is not only the best fast food place, but the prices too are fantastic
Dkk
1:27
Indeed, indeed.
BulbasaurNoLikeCardio
7:51
@texaslawhopefully: best prices and only fast food that doesn't make me sick
matt gaetz ethics report released
paid for sex with a junior in high school
guarantee people still defend him
BulbasaurNoLikeCardio
9:51
I only read headlines and skimmed a random article of it since I am the only one at work this week. Seems like he is Republican Hunter Biden but not at the paying rent with poop paintings stage
ImpartialLion
9:55
Sent in my transcript at 6 am today and it’s processing. Think it will be processed before lsac closes tmrw?
BulbasaurNoLikeCardio
9:58
I would say it is a toss up, for how much LSAC charges us for everything they are extremely efficient in processing and sending stuff out BUT with a 30% uptake in applicants and the holidays it may be significantly slower unless it is ran through and processed by a computer program. Even if it takes them longer to process it, not like there is anyone at a school to request and review it after LSAC does their thing
Do we know if any of the t14 open at all this week
just called Fordham. they said there will be decisions going out today
so congratulations on pre xmas waves
BulbasaurNoLikeCardio
10:27
Hope schools are chill and just send As leaving the Rs for next month lol
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