The Guardian Finance Company ("Guardian"), when considering your application for employment, when making a decision whether to offer you employment, when deciding whether to continue your employment (if you are hired), and when making other employment related decisions directly affecting you, may wish to obtain and use a "consumer report" from a consumer reporting agency. These terms are defined in the Fair Credit Reporting Act ("FCRA") which applies to you. As an applicant for employment or employee of Guardian, you are a "consumer" with rights under the FCRA.

A "consumer reporting agency" is a person or business that for monetary fees, dues or on a cooperative nonprofit basis, regularly assembles or evaluates consumer credit information or other information on consumers for the purpose of furnishing consumer reports to others such as Guardian.

A "consumer report" is any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing, credit capacity, criminal background, character, general reputation, personal characteristics, or mode of living which is used or collected for the purpose of serving as a factor in establishing the consumer’s eligibility for employment purposes.

If Guardian obtains a "consumer report" about you and if Guardian considers any information in the "consumer report" when making an employment related decision that directly and adversely affects you, you will be provided with a copy of the "consumer report" and a summary of your rights under the FCRA. You may also contact the Federal Trade Commission about your rights under the FCRA as a "consumer" with regard to "consumer reporting agencies."

If you are interested in applying at Guardian, send your resume to:

Guardian Finance Company
Earl Osborne
2495 Hilliard-Rome Road
Hilliard, Ohio 43026
or call us at 614/527-8710
or E-mail Earl