![]() But in reality, experts – such as the New Hampshire Department of Justice – say you still have to unfreeze, and the Federal Trade Commission does not list exclusions. Technically, the 2018 law has you covered, listing a few exclusions such as background checks. Employers use it in screening job applicants, landlords use it to vet tenants, and insurers use it in the underwriting process, to name just a few.ĭo you need to unfreeze your credit for a background check? It’s a good bet. ![]()
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