Does a credit report for a background include a credit score?
No. A credit report provided for employment purposes does not include a credit score.
Does a pre-employment credit inquiry effect the consumer's credit score?
No. A credit inquiry completed for employment purposes is considered a “soft inquiry” and does not effect a credit score the way “hard inquiries” for purposes of loans, credit cards, etc. can effect a consumer’s credit score.
Will the consumer know a credit report was pulled?
Yes. First of all, you must disclose to the consumer that a credit report may be completed as part of a background and some states/cities require that the consumer receive a disclosure that a report will be pulled. Furthermore, the inquiry will appear on their credit report.