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Which two actions are required under the Fair Credit Reporting Act in order for an employer to obtain a consumer report on a job applicant?A. Obtain applicant's written consent and provide applicant with a copy of the credit report before taking adverse actionB. Provide notice to applicant after taking adverse action and provide the applicant with a method to appeal the decisionC. Obtain data only from a qualified credit reporting agency and certify that the agency has administrative, technical and physical safeguards in placeD. Certify to the credit reporting agency that the employer has a permissible purpose and provide a written consent from the employer

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