Good employees are a company’s most valuable resource. They also have the potential of being the greatest liability a business has. Increasing numbers of employers are utilizing data bases to access records revealing an individual's most personal secrets to help them select the best possible employees.

The FCRA permits credit bureaus to list positive information on your credit report indefinitely. Accurate negative information, such as a late payment or an account turned over to a collection agency, can remain on credit reports for 7 years. Bankruptcies may remain on credit reports for up to 10 years. Unpaid tax liens may remain for up to 15 years.