Answer:
3. It often results in a disparate impact of minority applicants.
Explanation:
The use of criminal background checks and credit report in the selection process is criticized because it often results in a disparate impact of minority applicants. Due to the fact that minority groups such as African Americans tends to have higher crime rates and are more likely to be credit unworthy, there is a tendency for them to be intentionally discriminated on in regards to criminal background checks and credit reports compared to their white counterparts when applying for a job, Criminal record checks may not be considered seriously when a Caucasian is being considered for that same job.