New Jersey Fair Credit Reporting Act (NJFCRA) is a law that in combination with the Fair Credit Reporting Act or (FCRA) forces creditors and the crediting reporting agencies to accurately report and investigate credit reports disputes and notices given to employees.
N.J. Stat. §§56:11‐29‐ 56:11‐41
Under the NJFCRA an employer, before taking adverse employment action, is required to provide the applicant or employee with a summary of their rights under the NJFCRA with respect to consumer reports or investigative consumer reports obtained for employment purposes from a consumer reporting agency (CRA).
You have the right to consent to all ow a business to pull your credit file.
If you are denied credit you have a right to review the information provided.
You have a right to dispute anything on your credit report that is wrong.
The CRAs must investigate your concerns.
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