• To ensure that this feast is safe and free of worry, Shalom Assembly of Yahweh may request, obtain, and rely upon one or more consumer reports or investigative consumer reports about you from a consumer reporting agency.
  For explanation purposes: a “consumer report” is a written, oral or other communication of any information by a consumer reporting agency bearing on your credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in making an employment-related decision about you. Such information may include, credit history information, criminal history information, driving records, verifications of your employment and/or education history; and other types of background information. An “investigative consumer report” is a consumer report in which information on your character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with your prior employers, neighbors, friends, or associates, or with others who may have knowledge concerning any such items of information. In the event an investigative consumer report is requested about you, you are entitled to additional disclosures regarding the nature and scope of the investigation requested. The most common form of investigative consumer report is an inquiry into your employment and/or education history.
  Under the Fair Credit Reporting Act, before the Company can obtain a consumer report or investigative consumer report about you for employment purposes, it must have your written authorization. If the Company later considers adverse action based, in whole or in part, on information in a report on you, you will be provided a copy of that report, the name, address, and telephone number of the consumer reporting agency, and an additional summary of your rights under the FCRA.

  Consumer and/or investigative consumer report(s) about you will be obtained from the following consumer reporting
  agency:
  Trusted Employees, 7900 W 78th Street, Edina, MN 55439, (888) 389-4023.
  Trusted Employees’ information and privacy policy can be found at www.trustedemployees.com.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and
privacy of information in the files of consumer reporting agencies. There are many types of
consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies
that sell information about check writing histories, medical records, and rental history records).

Here is a summary of your major rights under FCRA. For more information, including
information about additional rights, go to www.consumerfinance.gov/learnmore or write
to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

You must be told if information in your file has been used against you. Anyone who
uses a credit report or another type of consumer report to deny your application for credit,
insurance, or employment – or to take another adverse action against you – must tell you,
and must give you the name, address, and phone number of the agency that provided the
information.

You have the right to know what is in your file. You may request and obtain all the
information about you in the files of a consumer reporting agency (your “file
disclosure”). You will be required to provide proper identification, which may include
your Social Security number. In many cases, the disclosure will be free. You are entitled
to a free file disclosure if:

• a person has taken adverse action against you because of information in your
  credit report;
• you are the victim of identity theft and place a fraud alert in your file;
• your file contains inaccurate information as a result of fraud;
• you are on public assistance;
• you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon
request from each nationwide credit bureau and from nationwide specialty consumer
reporting agencies. See www.consumerfinance.gov/learnmore for additional
information.

You have the right to ask for a credit score. Credit scores are numerical summaries of
your credit-worthiness based on information from credit bureaus. You may request a
credit score from consumer reporting agencies that create scores or distribute scores used
in residential real property loans, but you will have to pay for it. In some mortgage
transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify
information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or
unverifiable information. Inaccurate, incomplete, or unverifiable information must be
removed or corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In
most cases, a consumer reporting agency may not report negative information that is
more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information
about you only to people with a valid need – usually to consider an application with a
creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a
valid need for access.

You must give your consent for reports to be provided to employers. A consumer
reporting agency may not give out information about you to your employer, or a potential
employer, without your written consent given to the employer. Written consent generally
is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore.

You may limit “prescreened” offers of credit and insurance you get based on
information in your credit report. Unsolicited “prescreened” offers for credit and
insurance must include a toll-free phone number you can call if you choose to remove
your name and address form the lists these offers are based on. You may opt out with the
nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).

The following FCRA right applies with respect to nationwide consumer reporting
agencies: CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE

You have a right to place a “security freeze” on your credit report, which will
prohibit a consumer reporting agency from releasing information in your credit
report without your express authorization. The security freeze is designed to prevent
credit, loans, and services from being approved in your name without your consent.
However, you should be aware that using a security freeze to take control over who gets
access to the personal and financial information in your credit report may delay, interfere
with, or prohibit the timely approval of any subsequent request or application you make
regarding a new loan, credit, mortgage, or any other account involving the extension of
credit.

As an alternative to a security freeze, you have the right to place an initial or extended
fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is
placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s
credit file, a business is required to take steps to verify the consumer’s identity before
extending new credit. If you are a victim of identity theft, you are entitled to an extended
fraud alert, which is a fraud alert lasting 7 years.
A security freeze does not apply to a person or entity, or its affiliates, or collection
agencies acting on behalf of the person or entity, with which you have an existing
account that requests information in your credit report for the purposes of reviewing or
collecting the account. Reviewing the account includes activities related to account
maintenance, monitoring, credit line increases, and account upgrades and enhancements.

You may seek damages from violators. If a consumer reporting agency, or, in some
cases, a user of consumer reports or a furnisher of information to a consumer reporting
agency violates the FCRA, you may be able to sue in state or federal court.

Identity theft victims and active duty military personnel have additional rights. For
more information, visit www.consumerfinance.gov/learnmore.

Notice to individuals who reside in Massachusetts, work in Massachusetts, or are applying to work in
Massachusetts: You have the right to know whether the Company requested an investigative report about
you and, upon written request to the Company, to receive a copy of any such report. You also have the right to
ask the consumer reporting agency (i.e., Trusted Employees) for a copy of any such report.

Notice to individuals who reside in New Jersey, work in New Jersey, or are applying to work in New
Jersey: You have the right to inspect and promptly receive a copy of any investigative consumer report
requested by the Company by contacting the consumer reporting agency (i.e., Trusted Employees)

Notice to individuals who reside in New York, work in New York, or are applying to work in New York:
You have the right to inspect and receive a copy of any investigative consumer report requested by the
Company by contacting the consumer reporting agency (i.e., Trusted Employees) directly. You are also
receiving a copy of Article 23-A of the New York Correction Law.

Notice to individuals who reside in Oregon, work in Oregon, or are applying to work in Oregon:
Information describing your rights under federal and Oregon law regarding consumer identity theft protection,
the storage and disposal of your credit information, and remedies available should you suspect or find that
Employer has not maintained secured records is available to you upon request.

Notice to individuals who reside in Washington State, work in Washington State, or are applying to
work in Washington State: Under the Washington Fair Credit Reporting Act, you have the right to ask
Trusted Employees for a written summary of your rights. If you submit a request to the Company in writing,
you have the right to get from the Company a complete and accurate disclosure of the nature and scope of the
investigative consumer report the Company ordered, if any.

Notice to individuals who reside in Minnesota, work in Minnesota, or are applying to work in Minnesota:
You have the right, upon written request to Trusted Employees, to receive a complete and accurate disclosure
of the nature and scope of any consumer report. Trusted Employees must make this disclosure within five days
of receipt of your request or of Company’s request for the report, whichever is later.

I have received, read, and understand:

• The Disclosure of Background Investigation
• A Summary of Your Rights Under the Fair Credit Reporting Act
• Additional State Law Notices

The background check applies to all that are 18 years and older. We are not doing any credit checks, but it is necessary to disclose this information, by law. The background check includes criminal check, social security identity, and sex offender registry. Cost of the check is $15.50 per report. Payments can be made through the Venmo below, in person at the assembly, or mailed in to:

Shalom Assembly of Yahweh

PO Box 158

Sterling, IL 61081