Understanding the FCRA
The Fair Credit Reporting Act (FCRA) provides regulation around who and when information about you can be utilized. Generally speaking, when an employment, credit, or tenant screening decision is being made about you the entity receiving your information must provide you with two things 1) notice that they will be accessing your public or private record information 2) disclosure on where they received this information from if an adverse decision is made. Entities that provide this information to employers, landlords, or mortgage brokers amongst others are known as Consumer Reporting Agencies or CRAs.
According to the laws of the Fair Credit Reporting Act (FCRA), ReverseThatLookup is not a consumer reporting agency. This means there a number of restrictions in the way you can use ReverseThatLookup. Below is just a brief summary of some of these restrictions. We encourage you to educate yourself on the FCRA. ReverseThatLookup was built for the everyday consumer to have access to public records, both to look up themselves and others.
You are restricted from using ReverseThatLookup for:
Employment Screening
You may not use ReverseThatLookup when evaluating a person for employment, reassignment, promotion, or retention.
Hiring of Household Workers
Including, but not limited to, nannies and domestic workers
Tenant Screening
Including, but not limited to, leasing a residential or commercial space
Educational Qualification
Including, but not limited to, a person’s qualifications for an educational program or scholarship
Credit or Insurance
Assesssing the risk of existing credit obligations of an individual
Determining eligibility for issuing credit or insurance
Business Transactions Initiated by an Individual Customer
Reviewing a personal customer account to determine whether the person continues to meet the terms of the account
Using ReverseThatLookup’s information in these ways violates both our Terms & Conditions and the law, and can lead to possible criminal penalties. We take this very seriously, and reserve the right to terminate user accounts and/or report violators to law enforcement as appropriate.
For Access to a Consumer Reporting Agency, Visit:
Credit
Employment
ReverseThatLookup has no affiliation with any of these services and recommends them as a courtasy.