This document provides information about protecting your credit history and documents needed for employment. It discusses checking your credit report from the three major credit agencies, what to do if you experience identity theft, placing security freezes on your credit, and other reports containing your personal information. It also outlines documents required by employers, including new hire forms, W-4 forms, and I-9 forms. Overall, the document aims to educate individuals on understanding their credit and ensuring proper documentation for job applications and hiring processes.

1. 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.

2. 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.

3. 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: 1.800.525.6285 (www.equifax.com)
 Experian: 1.888.397.3742 (www.experian.com)
 TransUnion: 1.800.680.7289
 (www.transunion.com)
 If you see that you have been a victim of
Identity Theft you will need to report it at
once.

4. 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
1.800.382.5516, or online at
www.IndianaConsumer.com/IDTheft.
 File a complaint with the Federal Trade
Commission by contacting the FTC’s ID Theft
Hotline by phone at 1.877.ID.THEFT
(438.4338), or online at
www.consumer.gov/idtheft.

5. 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.

6. 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
http://www.in.gov/attorneygeneral/2413.htm.

7. 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.

8. 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.

9. 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.

10. 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.

11. 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:
http://newhire-reporting.com/IN-
Newhire/instruct.aspx

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