The Fair Credit Reporting Act, or FCRA, regulates how credit reporting agencies and others handle your information. Under FCRA, we are a Consumer Reporting Agency and subject to its requirements. We're committed to safeguarding your privacy, and we fully comply with FCRA requirements. That means we do many things to protect your rights as a consumer. Here are a few of the most important ones:

• We validate the identity of all users of the system before granting access to make sure they have a legal right to see the information about you that your employer provided.

• We require all users of the system to tell us why they need a consumer's employment, income, or other data. In FCRA terms, this reason is called a Permissible Purpose.

• We will provide you, free of charge, one every 12 months. Your Employment Data Report is available immediately online or you can request the report by calling 866-604-6570.

If you believe the information contained in your Employment Data Report is incorrect, we will contact the employer and investigate. Access to your information will be blocked during the investigation. To request an investigation, call us at 866-222-5880.