Why do employers obtain a signed waiver from an applicant regarding credit and background checks? What is the significance of the Fair Credit Reporting Act waiver? Is a credit check more important than a background check? Explain.

Under what circumstances is the polygraph used during a background investigation? Explain the importance of a polygraph or CVSA examination in the background process. What is your opinion of the use of polygraph examinations to hire employees?

** Need each question answered in at least a minimum of 300 words, an referenced where it applies."