Free credit reports free Syracuse

We will publish a list free credit reports free Syracuse of these agencies and the toll free free credit reports free Syracuse number or other means of access as this information becomes available. In the meantime, if you are asked to submit to an employment background check, it is a good idea to ask the employer for the name of the company that will do the check. Background Checks and Your Credit Report An employment background check often includes a copy of your credit report. The three major credit reporting agencies (Experian, TransUnion, and Equifax) provide a modified version of the credit report called an "employment report." An "employment report" includes information about your credit-payment history and other credit habits free credit reports free Syracuse from which current or potential employers might draw conclusions about you. An employment report provides everything a standard credit report would free credit reports free Syracuse provide. However it doesn't include your free credit reports free Syracuse credit score or date of birth. Nor does it place an "inquiry" on your free credit reports free Syracuse credit file that may be seen by free credit reports free Syracuse a company looking to issue you credit. Having too many credit inquiries tends to lower your credit score. Why does free credit reports free Syracuse the employer do 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. request credit report 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 free credit reports free Syracuse use this as one way to verify the accuracy of information you provide on an application or resume. My credit rating free credit reports free Syracuse went down when I lost my job. Often a poor credit rating results from circumstances that are beyond your control. The loss of a job or high medical bills often leads to late payments, even bankruptcy. Still 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 free credit reports free Syracuse cannot be made when a credit check serves only as a kind of character screening. credit report identity theft Some states have now recognized the unfairness in this by adopting laws that free credit reports free Syracuse require a direct relationship to the job free credit reports free Syracuse before a credit check is made. Several states have passed laws limiting credit reports for employment decisions with provisions that require a nexus to actual job duties.

Those free credit reports free Syracuse states are: Washington, Oregon,Hawaii, Illinois, Maryland and Connecticut. In addition,a bill captioned the Equal Employment for All Act (HR 3149) is making its way through the U.S. On January 19, 2011, the free credit reports free Syracuse bill was 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 free credit reports free Syracuse who want to access an applicant’s credit report would have to show that credit free credit reports free Syracuse history is related to the open position. To follow 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 FCRA allows employment checks not only for hiring purposes but for other employment purposes such as promotion, retention, or transfer. Credit checks for the purposes of free credit reports free Syracuse retaining you as an employee allows the employer to check you credit periodically. Once you have given your permission, you generally need not be asked again. obtain free credit report Employers may run periodic checks, for example, as a way to identify individuals who have a free credit reports free Syracuse high debt to salary ratio. To an free credit reports free Syracuse employer, an employee who is overextended financially free credit reports free Syracuse may be 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 FCRA says only that certain things like negative information more than seven years free credit reports free Syracuse old cannot be considered. The absence of free credit reports free Syracuse a credit history can also be considered.