Access credit report Augusta

Why does the employer do access credit report Augusta a credit check? Often employers use your credit history to gauge your level of responsibility. Whether a valid assumption or not, some employers believe if you are not reliable in paying your bills, then you will not be a reliable employee. Unfortunately, a bad credit report can work against you in your search for employment. For more on how a credit record can affect your job search, see the FTC's fact sheet on this topic, www.ftc.gov/bcp/conline/pubs/alerts/ngcrdtalrt.htm In addition to your payment history, a credit report typically includes information about your former addresses and previous employers. Employers can use this as one way to verify the accuracy of information you provide on an application or resume. My credit rating went down when I lost my job.

Often a poor credit rating results from circumstances that are beyond your control. The loss of access credit report Augusta a job or high medical bills often leads to late payments, even bankruptcy. Still access credit report Augusta a bank or other financial institution may reason that a solid financial history is a qualifying factor for an employee who has control over substantial sums of money.

However, the same argument cannot be made when a credit check serves only as a kind of character screening. Some states access credit report Augusta have now recognized the unfairness in this by adopting laws that require a direct relationship to the job before a access credit report Augusta credit check is made. kentucky free credit report Several states have passed laws limiting credit reports for employment decisions with provisions that require a nexus to actual job duties. Those states are: Washington, Oregon,Hawaii, Illinois, Maryland and Connecticut. In addition,a bill captioned the Equal Employment for All Act (HR 3149) is access credit report Augusta making its way through the U.S. On January 19, 2011, the bill was access credit report Augusta reintroduced as HR 321 and was referred to the House Subcommittee on Insurance, Housing and Community Opportunity. Shouldthe Equal Employment for Law Actbecome law, potential employers who want to access an applicant’s credit report would have to show that credit history is related to the open position. To follow access credit report Augusta the progress of this bill, go to http://thomas.loc.gov/home/thomas.php Can my employer continue to check my credit after I’ve been hired? Yes.

The access credit report Augusta FCRA allows employment checks not only for hiring purposes but for other employment purposes such as promotion, retention, or transfer. free credit history Credit checks for the purposes of retaining you as an employee allows the employer to check you credit periodically. Once you have given your permission, you generally need not access credit report Augusta be asked again. Employers may run periodic checks, for example, as a way to identify individuals who have a high debt to salary ratio. To an employer, an employee who is overextended financially may be access credit report Augusta more prone to stealing from the company. Can an employer hold that against me? Yes. The employer might be looking for someone who has an established record of paying bills on time.

The access credit report Augusta FCRA says only that certain things like negative information more than seven years old cannot be considered. The absence of a access credit report Augusta credit history can also be considered. But if this bit of information means you don't get the job, the employer has to give you an adverse notice decision. For more on an employer's responsibility under the FCRA, see www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt053.shtm 8. Investigative Consumer Reports: What Will Your Neighbors Say? Can an access credit report Augusta employer ask my friends and neighbors about me? Yes. Under the FCRA, a background check that includes interviews with "neighbors, friends, or associates" about your "character, general reputation, personal characteristics, or mode of living" is called an "investigative consumer report." (The term "investigative consumer report" has a different meaning under California Law. how to get free annual credit report

See www.leginfo.ca.gov, Civil Code §1786.) When information about you is gathered from interviews, access credit report Augusta the FCRA requires a separate disclosure. You access credit report Augusta are also entitled to know the "nature and scope" of an investigative consumer report, access credit report Augusta but you have to ask. For more on how the FTC staff interprets the term "investigative consumer report" and other keys topics under the FCRA, visit the FTC web site www.ftc.gov/os/statutes/fcra/index.htm 9.