Credit Checks and Employment: Are You At Risk?

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	Credit Checks and Employment: Are You At Risk? A survey by the Society for Human Resource Management found that six out of 10 private employers conduct credit checks on at least some job applicants. Using credit history as part of the employment screening process has been controversial. According to www.CreditCards.com, some employers reason that an individual's credit history could be one measure of judgment and character. Those who oppose the practice argue that there is no proven link between poor credit and job performance. So, what can you do if your credit is less than stellar?
Check Your Credit Report According to the Federal Trade Commission you have a right under federal law to obtain a free copy of your credit report once every 12 months from each of the three nationwide reporting companies. If you are interested in reviewing your report, go to www.AnnualCreditReport.com. Read The Fine Print Under federal law, prospective employees must give permission for employers to conduct background checks, including credit checks. Try to read the fine print and be aware of what you are agreeing to before you sign an employment application. You may be signing a consent and disclosure clause that gives the employer permission to check your credit and background information. You can visit the FTC's website at www.FTC.gov for more details. Ask The Employer's Policy Try not to divulge any details regarding your credit history during a job interview. If you receive an offer for a position pending background check results, you might want to ask what the screening includes. Speak Up With Confidence If an employer confirms that a credit check is part of their screening and you are worried about negative activity on your credit report then you might consider discussing your concerns with your potential employer. Try to rehearse a clear, confident explanation and be professional. More information regarding credit reports and employment background checks can be found at www.FTC.gov.

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