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Employment Credit Checks

Employment credit check information including information on what job applicant and employee information employers can check and how to deal with credit history issues when you're seeking employment.

Job Applicant Credit Checks
Companies are running credit checks on job applicants more often and are using that credit information to make hiring decisions. Here's what employers can check and how it can impact your job applications.

Job Applicant Credit Reports
What's in your credit report and why is it relevant to employment? What's in your credit report can hamper your job search and it can be grounds for knocking you out of contention for a job. Especially when it comes to jobs where money and financial information is involved, bad credit can be an issue.

Employee Credit Checks
Employers can check the credit of job applicants and employees, with your permission. Here's advice on the credit information that can be collected during an employee credit check and how your credit report impacts employment opportunities.

Employment Credit Check
An employment credit report includes identifying information, including name, address, previous addresses, and social security number. A credit check also shows the debt you have incurred your payment history, including late payments.

Credit Repair Organizations Act
The Credit Repair Organizations Act was created to protect people from illegal or malicious activity by scam-like credit repair companies.

Why Employers Check Credit History
Employers can, with your permission, check your credit history as part of the job application and what they discover can be an issue for job seekers.

Fair Credit Reporting Act (FCRA)
When employers conduct a check of your background (credit, criminal, past employer) using a third party, the background check is covered by The Fair Credit Reporting Act(FCRA).

Credit Repair Scams
Information on credit repair scams, including how they work, warning signs, examples and tips for how to avoid getting scammed.

Denied a Job Because of Credit
Bad Credit Stories: Read stories of job seekers who have been denied a job because of bad credit and share your story if you're been denied employment because of your credit history.

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