OPM/NBIB Announces New Frozen Credit Instructions for Personnel Background Investigations
This article first appeared in the December 19, 2018 issue of DPSAC News.
As of September 24, 2018, agencies requesting investigations from the National Background Investigations Bureau (NBIB) do not need to instruct subjects of investigations to unfreeze their credit.
On May 24, 2018, the Economic Grown, Regulatory Relief, and Consumer Protection Act was signed into law and included an amendment to the Fair Credit Reporting Act. The amendment, which went into effect September 22, 2018, allows access to credit bureaus to frozen credit reports for “any person using the information for employment, tenant, or background screening purposes.”
This change provides NBIB the ability to conduct a check on frozen credit accounts without requiring the Subject of the investigation to unfreeze the account(s).