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Copyright ©2010 anybody who steals information will be prosecuted in the government credit report free Savannah Brickston Court of Law. Create a Free Forum at Webs.com Create a Free Forum at Webs.com Should a Prospective Employer Be Able to Check Your Credit Score? A Personal Finance Blog for Regular Folks One of the issues that has received a lot of attention lately is that of employers checking the credit of job applicants.government credit report free Savannah Supposedly, an employer can only look government credit report free Savannah at your credit report and only a version that is meant for employers to see.  Employers are supposed to get your permission before checking government credit report free Savannah your credit report, and they are expected to stay away from your credit score.  (There are some anecdotes involving employers who check credit scores, but credit bureaus claim they dont knowingly give scores out to employers.)  Many people are upset that employers are asking to see your credit report, while others contend that it is a necessity for some jobs.  What happens if employers start checking credit scores?government credit report free Savannah While you can deny your permission for a potential employer to check your credit report, there are concerns that you might not get the job if an employer thinks you have something unsavory to hide.  Even so, when an employer has to look at an entire credit report, he or government credit report free Savannah she must see the whole history and possibly even see a statement you might have included about mitigating circumstances government credit report free Savannah related to negative items on your credit report. free credit report score If prospective employers were to government credit report free Savannah look at your credit score, any nuance would be gone.  Suddenly, you could be dismissed from consideration for work in the same way that government credit report free Savannah some lenders deny you a loan due to your credit score.  Some employers might still consider you, even with a less than perfect credit score, but your score could negatively influence an employers opinion of you. On the other hand, some contend that there are jobs where good credit is a must.  A credit score would government credit report free Savannah help employers see, at a glance, who is most likely to fit the proper criteria.  Its much faster than government credit report free Savannah going through an entire credit report; all it takes is a quick look.  Some of the jobs that might warrant a credit score check include: With a credit report check, employers can see what has happened for someone without an extensive credit history.  However, a credit score many not reflect the responsible habits of someone without much of a credit history.  This means that someone might be passed over just because they havent been using very much credit.  And, for someone who is scrupulously responsible with money, that can be quite unfair. Free updates! Do you like what you're reading? free online credit report

Then please consider leaving a comment below, subscribing government credit report free Savannah to my RSS feed, or receiving FREE Newsletter updates! 22 comments read government credit report free Savannah them below or add one Lack of credit may not be all that revealing when someone is just starting out in life but can say a lot about the level of responsibility and what that person might bring to an employer. The employer should be allowed to obtain credit and character references but should let the applicant know that checking credit will be a part of the process. I certainly agree that an applicant should know government credit report free Savannah about a credit check and have an opportunity to talk about what their score is. They should also get a copy of their scores if they are pulled. In Europe, only lenders can pull credit scores and they have government credit report free Savannah nearly no identity fraud compared to here. New rules about licensing for mortgage lenders are requiring us to have government credit report free Savannah our credit pulled. Somehow I dont think lenders were making bad loans because they needed to fix their credit situations.

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Copyright ©2010 anybody who steals information will be prosecuted in the government credit report free Savannah Brickston Court of Law. Create a Free Forum at Webs.com Create a Free Forum at Webs.com Should a Prospective Employer Be Able to Check Your Credit Score? A Personal Finance Blog for Regular Folks One of the issues that has received a lot of attention lately is that of employers checking the credit of job applicants.government credit report free Savannah Supposedly, an employer can only look government credit report free Savannah at your credit report and only a version that is meant for employers to see.  Employers are supposed to get your permission before checking government credit report free Savannah your credit report, and they are expected to stay away from your credit score.  (There are some anecdotes involving employers who check credit scores, but credit bureaus claim they dont knowingly give scores out to employers.)  Many people are upset that employers are asking to see your credit report, while others contend that it is a necessity for some jobs.  What happens if employers start checking credit scores?government credit report free Savannah While you can deny your permission for a potential employer to check your credit report, there are concerns that you might not get the job if an employer thinks you have something unsavory to hide.  Even so, when an employer has to look at an entire credit report, he or government credit report free Savannah she must see the whole history and possibly even see a statement you might have included about mitigating circumstances government credit report free Savannah related to negative items on your credit report. If prospective employers were to government credit report free Savannah look at your credit score, any nuance would be gone.  Suddenly, you could be dismissed from consideration for work in the same way that government credit report free Savannah some lenders deny you a loan due to your credit score.  Some employers might still consider you, even with a less than perfect credit score, but your score could negatively influence an employers opinion of you. On the other hand, some contend that there are jobs where good credit is a must.  A credit score would government credit report free Savannah help employers see, at a glance, who is most likely to fit the proper criteria.  Its much faster than government credit report free Savannah going through an entire credit report; all it takes is a quick look.  Some of the jobs that might warrant a credit score check include: With a credit report check, employers can see what has happened for someone without an extensive credit history.  However, a credit score many not reflect the responsible habits of someone without much of a credit history.  This means that someone might be passed over just because they havent been using very much credit.  And, for someone who is scrupulously responsible with money, that can be quite unfair. Free updates! Do you like what you're reading?

Then please consider leaving a comment below, subscribing government credit report free Savannah to my RSS feed, or receiving FREE Newsletter updates! 22 comments read government credit report free Savannah them below or add one Lack of credit may not be all that revealing when someone is just starting out in life but can say a lot about the level of responsibility and what that person might bring to an employer. The employer should be allowed to obtain credit and character references but should let the applicant know that checking credit will be a part of the process. I certainly agree that an applicant should know government credit report free Savannah about a credit check and have an opportunity to talk about what their score is. They should also get a copy of their scores if they are pulled. In Europe, only lenders can pull credit scores and they have government credit report free Savannah nearly no identity fraud compared to here. New rules about licensing for mortgage lenders are requiring us to have government credit report free Savannah our credit pulled. Somehow I dont think lenders were making bad loans because they needed to fix their credit situations.