FCRA
The Fair Credit Reporting Act (FCRA) is a federal law that governs how "consumer reports" — background checks, credit reports, and similar data — can be collected, shared, and used.
ContractorVetted is not a consumer reporting agency (CRA) under the FCRA. Our data is sourced from official public licensing board records, not credit bureaus or private background check services. Our data may not be used for employment, housing, credit, or insurance decisions under FCRA.
This distinction matters: FCRA-regulated CRAs face strict disclosure, dispute, and consent requirements. By using only official public record data and expressly prohibiting FCRA-covered uses, ContractorVetted operates outside FCRA's scope.
Frequently Asked Questions
- Can I use ContractorVetted to screen a contractor I want to hire as an employee?
- No. Employment screening is an FCRA-regulated use. ContractorVetted is for verifying a contractor's license before hiring them for a project — not for employment background checks.
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