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Credit reports and the companies that compile credit reports are governed in California by the Consumer Credit Reporting Agencies Act (CCRAA) (CA Civil Code §1785) The CCRAA allows your employer to obtain a copy of your credit report for "employment purposes." (CA Civil Code §1785.11(B)) This California law goes beyond the Fair Credit Reporting Act (FCRA).
The CCRAA gives job applicants and employees certain rights when a credit report is requested as part of an employment background check, including that your written permission must be obtained for a credit check to be done. The credit report cannot include any information about you that would violate equal employment opportunity laws, such as your age, marital status, race, color, or religion. Lastly, you are entitled to receive a copy of the report if you elect an employer to have it. The law also provides penalties to the company that issued the report and to the employer if violations occur.
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