Employee Law Module What you need to do to protect credit history and the documents that you will need for employment. The information in this module comes in part from earlier research done on Identity Theft, Protecting Your Credit.

Employee Law Module Before you begin to apply for different jobs and use the major job search engines, be sure that you check your credit rating. You do not want to be rejected because of either identify theft or any other information that may be attached to your credit record.

Employee Law Module Here are the three agencies that report on your credit. You can get one report free each four months just by choosing a different agency from which to request a report. This will keep you current with any changes to your credit report. Equifax: ( Experian: ( TransUnion: ( ) If you see that you have been a victim of Identity Theft you will need to report it at once.

Employee Law Module Report it to the Authorities First: Promptly report the fraud to local law enforcement, the Attorney General’s Office and the FTC. File a consumer complaint with the Attorney General’s ID Theft Unit by phone at , or online at File a complaint with the Federal Trade Commission by contacting the FTC’s ID Theft Hotline by phone at ID.THEFT ( ), or online at

Employee Law Module To prevent additional accounts being opened by the thief in your name, Ask that a “security freeze” can be placed on you account. Here is a general summary of the information found in the Indiana Consumer.com agency’s brochure on “security freeze”. 1. According to Indiana Law, you will not be charged a fee to either place or remove a “security freeze” on your account. 2. The amount you are responsible for if theft has taken place will depend upon how soon you file a I.D. Theft Affidavit. To limit the amount that you will be responsible for, the report of illegal activity and the affidavit should be filed within two weeks of the discovery of the illegal use of credit.

Employee Law Module This page contains the ID Theft Victim Kit and the ID Theft Complaint. Both are in PDF format so they can be easily printed out. The ID Theft Victim Kit describes step-by-step how to go about reclaiming your identity. It also lists the Indiana Laws that protect the victim and which Federal agencies that might need to be contacted depending on circumstances. The page title is: Identity Theft Unit The Url is

Employee Law Module You should also know about other information that is kept about not only your finances but also about your job history and related civil/legal public reports. The Fair Credit Reporting act also allows you to request and look at these reports as well. A good example of the full data file kept is the Lexus/Nexis Full File Disclosure report. This will cover other information available.

Employee Law Module The information on this report may be found on the Privacy Rights Clearing House web site. On a fact sheet called: Fact Sheet 6b: "Other" Consumer Reports: What You Should Know about "Specialty" Reports The amount of information in this report is very detailed, it covers the following areas: The results of a national criminal records search of your name and personal information. Government records and public information about you such as real estate ownership records, bankruptcies, professional licenses and historical addresses. It reports (one for personal auto insurance and one for personal property/homeowners insurance), each of which summarizes insurance loss history information about you provided to LexisNexis Risk Solutions by participating insurance companies. If you would like to receive this report, on the fact sheet is the information on what is required to request it.

Employee Law Module In addition to learning about your credit history, you should also know what documents are required if you are offered a job. Indiana has a web site which describes what documents your employer will need from you.

Employee Law Module In addition to learning about your credit history, you should also know what documents are required if you are offered a job. Indiana has a web site which describes what documents your employer will need from you.

Employee Law Module The forms that you will need to fill our are: New Hire Form W-4 Form I-9 Form The process is discussed on this website: Newhire/instruct.aspx

Employee Law Module These web sites give you valuable information about employee law topics.