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Trying to Land a Job? Poor Credit Scores May Hurt Your Chances
Many employers are now looking at an applicant's credit report for hiring purposes. During an interview process a potential employer may request your written consent to access your credit report. A credit report is essentially your credit history created by CRAs (also known as credit bureaus). Debtors that grant (or deny) you credit make regular reports about your account status to CRAs. This information is then aggregated on a credit report and calculated into your "credit score". Besides your credit history a credit report also contains a substantial amount of sensitive personal information. This includes your date of birth, social security number, telephone numbers (including unlisted numbers), current and previous addresses, employment, credit payment status and even legal information. The federal Fair Credit Reporting Act (FCRA) has made regulations too keep this information private. There are state and federal laws on who can obtain this information and how they can use it. However as mentioned earlier, any potential employer can access this information upon your written consent and take it in account during your hiring process. What can you do? Depending on where you live you can may be entitled to receive a free copy credit report. Your may also find about who has viewed your credit report and other related information. For information we recommend visiting www.privacyrights.org In some cases your credit report may contain inaccurate information which can very detrimental to your credit score. In this case it may be a good idea to get some help disputing and repairing a damaged credit report. One reputable company, Onyx Credit Repair has the resources and expertise to assist you in this situation. Visit their website at http://www.onyxcreditrepair.com. It seems that having a strong credit score will continue to become increasingly important in this day and age. It is unfortunate that your credit report can be exploited for hiring and/or marketing purposes. It is legal for credit bureaus to generate selling lists of consumers who are more susceptible "pre-approved" credit card and insurance offers. You can however prevent credit bureaus from taking advantage this information. Visit www.privacyrights.org or contact Onyx Credit Repair (http://www.onyxcreditrepair.com) professionals for more information. Onyx Credit Repair has been assisting clients with effectively repairing their credit scores for over 17 years. We offer credit repair consultants who assist our clients throughout the duration of their credit repair. For more information about our company please visit http://www.onyxcreditrepair.com/company.html MORE RESOURCES:
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GOOGLE SEARCH Identity Theft - Additional Protection for Soldiers on Active Duty Congress passed the Fair Credit Reporting Act several years ago in an attempt to smooth out some problems in the credit reporting industry. The best known provision of this Act is one that permits Americans to receive a free copy of their credit reports from each of the three main credit bureaus once per year. Addressing Bad Credit Card Debt Spending HabitsSo you've just got your credit card. The first thing you need to be wary about is that a credit card is very easy to use - afterall you can shop in stores, via catalogs and online with your credit card. Rate Tarts Losing Ability to Cherry Pick A "rate tart" is someone who switches from one zero per cent introductory credit card deal to another to avoid paying interest; however they may be set to become something of the past. Recently a number of the major credit card companies, including Egg, Barclays, the Royal Bank of Scotland and MBNA have introduced transfer charges for people who want to shift their outstanding credit card balances to a new card to take advantage of a zero per cent introductory rate. Practical Suggestions for Protecting Yourself From Identity Theft It's no surprise that thousands of Americans are victimized by identity theft each year. Last year more than 9,000,000 people were victims of identity theft amounting to some $45 billion dollars. Why Does Your Credit Card Rate Keep Going Up? Have your read your credit card contract through completely? Do you know when it is okay for your creditor to raise your interest rates? If you are not sure about how and when your rates can be affected over the life of your contract you should take a few minutes to read your contract thoroughly from beginning to end.Creditors must have clauses in their contracts that give them the right to change your interest rates. SuperCharged Secret 5, Credit Card Utopia LIVING IN CREDIT CARD UTOPIALet's just take a brief moment to recap:If you've been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 4 very important things:You now know how to take advantage of zero to low interest credit card offers.You now know that there is safety in numbers, and you know the magic "Who's Who" of the major credit card companies. Credit and Banking Money Saving Services The first rule when applying for banking and credit services is to always read the fine print and to understand all of it. Read up, take it home, and analyze it, ask the banking manager questions. Why Should You Use Credit Cards Believe it or not, the way society, especially the commercial side, is set up these days, the only alternative to using credit is to pay cash for everything. But it's actually quite hard to do that. How To Prevent Fraudulent Credit Card Transactions What Are Possible Signs of Fraudulent Transactions see at Web Hosting Companies?Customer wants to pre-pay for a yearDomain Name Registration for 5 years or moreOrders using free email address providers like Hotmail, Yahoo, etc.Usage of multiple cards to complete order. Do You Want to Get a New Credit Card at a Great Rate? 1) Do your homework. Applying for and getting approved for a credit card is nothing more than legwork. Figuring Out the Ever Nebulous Numbers Called Credit Scores Credit Score FactorsThe information contained on our credit reports affect every aspect of our lives; including employment, insurance, and even interest rates (mortgage, credit cards, automobiles, etc.). Credit Card Debt: One Way To Avoid It One of the biggest problems people have in these modern times is Credit card debt, and worst is USA.Simply because there have always been so many laws and regulations before you could have acard in the rest of the world, you can't for instance borrow someone elses card and go shopping becauseyou always have to show some ID before they accept cards in Europe. Free Credit Reports: From The 3 Major Credit Bureaus! Get your credit report online for FREE. Many financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. Boosting Your Credit Score To Get The Best Credit Card Deal Making Your Credit Rating Work For YouOne of the basics of getting the most competitive credit card deal in the market is to ensure you have the best credit record possible. Few of us are lucky enough to be earning a six-figure salary, and many people are likely to have other financial undertakings that a potential lender will want to take into account. Choosing a Credit Counseling Company If you have considered credit counseling as an option to your financial problems, then you are probably wondering how to choose from one of the many credit counseling companies that are popping up left and right these days. There really is not an easy answer to this dilemma but there are some things that you can look for in a credit counseling company that might make the decision a little easier. 10 Tips To Prevent Credit Card Fraud Imagine opening your credit card statement one morning and discovering to your horror that you suddenly owe thousands of dollars - on purchases that you never made.Impossible?Credit card fraud on the rise, so you need to treat your card and its information with extreme care. Maximizing Credit Card Rewards In their quest to get you to sign up for their credit card, banks and financial institutions are coming up with more and higher incentives to entice you. Frequent flyer miles gave way to gas miles which opened the door for cash rebates and reward points to be used at 'our fine member merchants'. Credit Cards: How To Use Them Credit cards can be a very quick way of getting into even more debt if you do not know how to use them properly. UK debt is now at an all time high and, excluding mortgages, Credit Cards are one of the main contributors. Avoiding College Credit Card Traps Congratulations college freshman! You're about to embark on one of the most exciting times of your life. By now your parents, siblings, and friends have offered you all kinds of advice on how to make your transition to college smoother - how to get along with your roommate, what classes to take and which ones to avoid, where to find the best off-campus food, and how to stay safe on campus. My Credit Card Application Was Rejected! Now What?!? No doubt, you've probably gotten literally hundreds of credit card applications in the mail and online, and each and every one of them has said that you've been "Pre-Approved".Of course it's natural that this would lead us to believe that the application process is simply a formality. |
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