• Your Credit Report Caused Me To Not Get a Job

    Your Credit Report Caused Me To Not Get a Job

    August 24, 2009

    Your interviews went well and you have never been arrested but that default on your credit report could prevent you from getting that job.

    That is right more and more employers are checking credit reports as a screening technique for hiring.  The most common scenario you might hear to why this is allowed is a position which you are directly handling cash transactions.  Since your credit report is an indication of how you do handling money in personal life, the company wants to know how you do on your own  so they can guess how you will handle theirs.

    Beyond the handling of cash, your credit report is an indicator of the overall risk you represent.  It is seen more as a measure of your responsibility.  If you are completely irresponsible it will show on your credit report and the company is more than likely going to avoid you.

    OK, this puts those consumers looking to rebuild in a tough place.  They might a default or maybe even a bankruptcy on thier record and this is going to haunted them when they are looking for a job.

    Your Credit Score and Employment

    Now, don’t be confused and this happens all the time; Employers check your credit report not your credit score.  First, this isn’t something they do behind your back.  They must have your written permission and you will know.  Also, when they request your credit report from the credit bureaus, the copy they get is what as known as an employment report.  It is taylored to employers and will not include your credit score.

    How to Prepare for Your Interview

    Well, I am not giving interview tips, but you should check your credit report before you start scheduling interviews.  This helps in two ways.  First, you will know where you stand before you even get started.  Second, you have a little time to dispute any possible errors on your credit report.  This process is not that difficult and may act as a clean up of your credit report if there is a lot of errors.

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User Comments

  1. credit history absolutely matters in your job application specially if you’re applying for a job which has a relation with your finances.

    May 25, 2010 Comment by average insurange@
  2. good article. thanks

    July 5, 2010 Comment by property in alanya@
  3. They must have your written permission and you will know.

    August 12, 2010 Comment by vansci123@
  4. Credit history is of a great importance at many different places too and could cost dearly if not taken proper care about it. I think that it would be a very good thing to have some debt counseling as they would help to calculate and pay off the debt with the available resources and clear off the debt slowly at-least it would just have a positive note on it.

    October 20, 2010 Comment by Tax debt settlement@
  5. That’s true, the credit scores have been of a great importance at many places and I think that it will be of a very good importance to many to have some good benefits. Having a bad credit will just make you inaccessible to any places that has to do with the financial dealings.

    October 28, 2010 Comment by credit repair affiliate@
  6. They must have your written permission and you will know.

    December 17, 2010 Comment by jacky@

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