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Yes, your credit report. Many employers are turning to credit reports to get a better look at their future employees. Hiring a new employee is a risk and costly. They are finding out if the applicant is financially responsible and in good standing. The Federal Trade Commission has this posted on their website:
“As an employer, you may use consumer reports when you hire new employees and when you evaluate employees for promotion, reassignment, and retention — as long as you comply with the Fair Credit Reporting Act.’
The potential employer only needs to get your permission to run a credit report and then only needs to inform you if the report was the reason that you were not hired and give you information on how to obtain a copy of the report.
Do you know what’s on your credit report?
Before you send in your next resume or circle your next ad in the classifieds check your report. You should order a credit report from all three credit bureaus. Go to www.bsbr.com and obtain free credit reports from all three bureaus.
When you receive your report look at it as an employer or a potential employer. Do you have late pays? Delinquent accounts? Charge offs? Maxed out on any of your credit cards? Someone else’s information on your report? Incorrect addresses that appear as if you have moved constantly? All of these may show a potential or existing employer that you are not as financially responsible or stable as their ideal employee even if the information is not yours.
A financial institution may have policies against hiring individuals who are in serious financial trouble or have low credit scores.
What to do now? Contact a Credit Bureaus Specialist, such the ones at BSBR, to see what can be done to improve your credit score. Having good credit isn’t just writing into the credit bureaus trying to get negative items off. A specialist looks at the whole picture and advises you on everything that can be done to improve your credit standing and make you appear to be in control of your finances.
You need to start working on this quickly, your next career move may depend it.
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