Form Lic 281 - Application Instructions For A Facility License Page 5
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22WHAT A CREDIT REPORT
DOES AND DOES NOT
SAY ABOUT YOU.
DOES SAY
DOES NOT SAY
Your Name.
How Much You Have In The Bank.
Your Address.
What Your Race Is.
Your Social Security Number.
What Your Religion Is.
Payment History.
What Your Investments Are.
If You Have Any Bankruptcies Or Liens.
If You’ve Had Any Criminal Arrests.
If Any Businesses Have Looked At Your File.
If You Have Any Traffic Tickets.
Any Comments You’ve Added To Your File.
Merchandise Purchased.
Anything About Your Medical History.
The purpose of a consumer credit report is to report your credit history and
whether or not you repay loans on time for the things you buy.
Your rights of privacy are protected by law. The Department of Social Services
obtains credit reports per Section 604 of the Fair Credit Reporting Act:
“A consumer reporting agency may furnish a consumer report under
the following circumstances and no other:....(3) To a person which it
has reason to believe...(D) intends to use the information in
connection with a determination of the consumer’s eligibility for a
license or other benefit granted by a governmental instrumentality
required by law to consider an applicant’s financial responsibility or
status:...
Your consumer credit report is maintained in the confidential section of your
facility file which is maintained in your local regional office.
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