Blog • The Expunged Record

Identification requirements when requesting a Full File Disclosure

Identification requirements when requesting a Full File Disclosure When requesting a full file disclosure, the FCRA mandates that CRAs require the consumer to supply “proper identification” in order to receive the consumer report. The law states “the information the consumer supplies must be sufficient to enable the CRA to match the consumer with its […]

3 Things to Know About Expunged Records and Background Checks

In recent years, the criminal background check industry has grown exponentially. The availability of inexpensive background checks have become a common tenant and employee screening tool. At the same time, about 1/3 of the U.S. population has been arrested (not the same as convicted) for some reason or another…Here are three things you need to know: […]

Your Expunged Record Showed Up on FINRA’s Background Check – Now What?

It was a high stakes game…My expunged arrest record had somehow found its way into FINRA’s Web CRD (FINRA’s background check database) – If I lost my argument, I would have a permanent blemish on my broker check and I would lose my job with firm. Legally, that arrest record didn’t exist. It was my […]

The Expungement Clearinghouse – Legit or Fraud?

The Expungement Clearinghouse – Legit or Fraud? A number of people are writing in asking about whether they should send their expungement order in to The Expungement Clearinghouse. It is a terrible idea. Don’t do it! If you have had a problem with your expunged record appearing on a background check, The Expungement Clearinghouse sounds […]

4 Secrets Your Lawyer Never Tells You Regarding Expungement

4 Secrets Your Lawyer Never Tells You Regarding Expungement Background check companies don’t care if they report your expunged record. They do it all the time with little or no consequence. I learned this first hand at the National Association of Professional Background Screeners’ annual conference. Check out my post from attending the conference while […]

CRAs Dirty Practices when Dealing with Full File Disclosure Requests

CRAs Illegal Actions when Dealing with Full File Disclosure Requests One of the biggest challenges in getting a full file disclosure from a CRA (background screener) is providing enough personally identifiable information to satisfy the desires of the CRA. CRAs hate dealing with proactive consumers and will often ask for more identification than is legally […]

What is the difference between a “consumer report” and a “consumer file”?

Will I get the same information the employer or landlord receives? The FCRA technically gives you the right to a free “file disclosure.” There is a difference under the FCRA between a “consumer report” and a “consumer file.” Under the FCRA, a “consumer report” is: …any written, oral, or other communication of any information by […]

One Legal Bill from the FCRA Dispute Letter Templates

One Legal Bill from the FCRA Dispute Letter Templates This is one of three legal bills from the two Dispute Letter templates… I have spent thousands of dollars so that you won’t have to.

7 Shocking Quotes from the National Association of Professional Background Screeners Conference

7 Shocking Quotes from the National Association of Professional Background Screeners Conference I recently attended the National Association of Professional Background Screeners (NAPBS) annual conference in Austin, Texas – undercover. As an angry consumer who has had numerous background check companies screw up my background check, I wanted to get to the bottom of what […]

The Expunged Record in the media – SPECIAL REPORT: Expunged records are not always removed from public record

The Expunged Record takes part in a special report on the appearance of expunged records. See the KPLC report here.