| If you're wondering "Why do employers look at your | | | | check this way. |
| credit report?" I'm going to outline the reasons below. | | | | Most employers know that your credit report and |
| Of course it's always good to maintain a good credit | | | | credit history are not going to be reliable factors to |
| report and score if you possibly can. But there are | | | | predict if you're going to be stealing from them. So |
| times when it may affect your future employment. | | | | they will check your criminal history to see if you have |
| And you want to know this in advance so you'll be | | | | bounced any checks. That is a more reliable way for |
| prepared. | | | | them to evaluate you. They will also look for evictions, |
| First of all most small businesses and small companies | | | | foreclosures, repossessions and collection agencies. |
| don't do much in the way of background checks. A | | | | Your employer or future employer does need your |
| background check can include checking your credit | | | | permission to check your credit report. If they hire |
| report, credit score and history, verification of your | | | | another company to do a background check that |
| identity and your criminal history. Some companies will | | | | includes it, they have to get your written permission |
| only check your credit report or they may only check | | | | first. |
| your criminal history. | | | | If you've applied for a job and lied on your application |
| If you apply for a job with the federal government, | | | | about any recent criminal history or about your identity, |
| they will check all three of these in a background | | | | experience or your education and your report and |
| check more than likely. | | | | history indicates otherwise, you can count on not |
| Private businesses, small companies, large companies | | | | getting the job. |
| and the federal government will do a more thorough | | | | All of this is a good reason to check your report at |
| background check if you're going to be involved in | | | | least twice a year. That will give you time to correct |
| handling cash or valuables. This would include bank | | | | any serious errors on it. These errors or bad marks |
| tellers and other bank employees, chief financial | | | | may prevent you from getting a job and you may not |
| officers, controllers, anyone who works for a | | | | know why. |
| brokerage of any kind and financial institutions or | | | | You can get one copy of your personal, instant, online, |
| financial-related businesses. Jewelry-related businesses | | | | free, annual credit report each year but a second one |
| will do very thorough checks because diamonds and | | | | you may have to pay for unless you see a copy that |
| rare gems can be easily concealed. | | | | has been ordered by someone you have given |
| An employer cannot use bankruptcy as a reason not | | | | permission to when they are verifying your credit |
| to hire you. Although they may tell you another reason, | | | | history. |
| there is no way to know if it's because of a | | | | If your credit problems, credit report and score and |
| bankruptcy unless they tell you this. But there is a | | | | history are not very serious and fairly recent then |
| federal law that says an employer cannot refuse to | | | | most employers will overlook small marks on your |
| hire you or promote you or fire you because of a | | | | report. Employers want good people and don't want to |
| bankruptcy. | | | | eliminate you because of a late payment or two. So |
| One of the main reasons an employer wants to see | | | | make sure to get your free report and check it now |
| your credit report is they want to check your | | | | so you'll know where you stand and clean up and fix |
| employment history and see if it matches and to verify | | | | your credit report soon. These are just a few of the |
| your social security number. If you have applied for a | | | | reasons that answer the question "why do employers |
| credit card or loan there may be employment | | | | look at your credit report?". There are other tips you'll |
| information and your future employer can double | | | | want to know before you apply for a job also. |