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How Should You Prepare Yourself For An Employment Credit Check

By Expert Author: Credit check: The present scenario These days, it

Credit check: The present scenario

These days, it has become a common practice for almost all employers to look into the credit history of their job applicants before considering a position. And the background check is not confined to top-level management positions. A popular job listing website reveal employers prefer conducting a employee background check for vocations as diverse as a delivery driver, office assistant, stockroom supervisor, flight attendants, insurance agents and even housekeepers! Some employers are, even seen to conduct a credit check on existing employees while considering a promotion.

How A Candidate Should Prepare Himself For Credit Checks

Your perspective employee might acquire certain information about you without your personal consent. However, a number of information cannot be disclosed under any conditions. For example, your school and college records are extremely confidential and cannot be checked without your consent. According to the current HR policies, job seekers cannot be discriminate on the basis of any previous bankruptcy filing or clinical disability. However, insolvency is on the public record. Hence, your employer can obtain it anytime. Companies can also check your credit history before hiring, but only by securing your written permission. Having a good credit history is important, particularly if you are unemployed in the present time. Nevertheless, if you ever worked for the army, the military can disclose your assignments, salary, awards and rank without your permission. And when it comes to verifying criminal records, laws vary from one state to other. You might need to consult an expert regarding the law of the state you live.

What Can Be Your Strategy To Undergo Credit Checks Successfully?

First of all, know all about your rights. Browse through the website of your state’s Department of Labor and check what an employer might ask. Next, get a copy of your credit report. Before applying for any job, read the application thoroughly so that you get information on what will be checked. Do not furnish your employer with too much of information. Disclose nothing more than what you are asked. Finally, it is important to be honest while facing a background check. In case you are asked about your criminal records (if any) or about your credit, make sure that you explain the situations. Your perspective employers will prefer an upfront explanation, rather than interviewing a confused, hesitant applicant.

Finally, you should know that, under Federal Law, employment credit checks are absolutely legal. The Fair Credit Reporting Act (FCRA) allows employers to ask for credit reports on candidates and existing staffs.

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