Understanding the FCRA

The Fair Credit Reporting Act (FCRA) provides regulation around who and when information about you can be utilized. Generally speaking, when an employment, credit, or tenant screening decision is being made about you the entity receiving your information must provide you with two things 1) notice that they will be accessing your public or private record information 2) disclosure on where they received this information from if an adverse decision is made. Entities that provide this information to employers, landlords, or mortgage brokers amongst others are known as Consumer Reporting Agencies or CRAs.

According to the laws of the Fair Credit Reporting Act (FCRA), Tellera is not a consumer reporting agency. This means there are a number of restrictions in the way you can use Tellera. Below is just a brief summary of some of these restrictions. We encourage you to educate yourself on the FCRA. Tellera was built for the everyday consumer to have access to public records, both to look up themselves and others.

You are restricted from using Tellera for:

• Employment Screening
  You may not use Tellera when evaluating a person for employment, reassignment, promotion, or retention
  
  
• Hiring of Household Workers
  Including, but not limited to, nannies and domestic workers
  
  
• Tenant Screening
  Including, but not limited to, leasing a residential or commercial space
  
  
• Educational Qualification
  Including, but not limited to, a person’s qualifications for an educational program or scholarship
  
  
• Credit or Insurance
  Assessing the risk of existing credit obligations of an individual
• Determining eligibility for issuing credit or insurance
  
  
• Business Transactions Initiated by an Individual Customer
  Reviewing a personal customer account to determine whether the person continues to meet the terms of the account
  
  Using Tellera information in these ways violates both our Terms & Conditions and the law, and can lead to possible criminal penalties. We take this very seriously, and reserve the right to terminate user accounts and/or report violators to law enforcement as appropriate.