Are you in the process of searching for employment? In order to avoid disappointments, it is very important to be prepared in all aspects of the job application process. For more information read http://www.newhorizon.org/credit-info/job-seekers-check-your-credit-report/ Get a copy of your credit report here http://www.newhorizon.org/Info/creditreports.htm

1. Check Your Credit Report
and Improve Chances of Getting Hired

2. WHY CHECK YOUR CREDIT REPORT
•It is important to check your credit report even if you know that you don't have any outstanding debts.
•There may be a case that you will discover erroneous report.
•Such errors can easily be corrected by sending a dispute letter to the credit bureau that issued your report.

3. •Most of the companies do use credit history to evaluate a person’s employment history, background, and credibility. While personal credit score is not always a relevant factor to get hired, the information contained in your report can significantly influence an employer’s decision whether or not to hire a candidate.
IS PRE-EMPLOYMENT CREDIT SCREENING ALLOWED?

4. •The applicant’s credit history and credit score can be determining factors in getting hired in some industries, depends on the position you are applying for.
•Usually, pre-employment credit screening is done in professions that involve handling of finances and confidential information.

5. •Even the Federal Law states that employers cannot refuse a job applicant based on credit history alone, an employer may give other reasons for not hiring applicants with bad credit history.

6. •A banking institution may prefer to hire candidates that are not just qualified to do the job but also with clean credit histories. Clearly, an impressive credit standing can give you the edge you need over your competitors.

7. Is it legal?
Yes, credit check is a legal process. However, a company must first disclose the fact that they will be conducting credit-screening or that credit check is part of the application process.

8. The job applicant must first give consent before credit check can be made. With this in mind, you can greatly improve your chances of landing the job you want if you are confident about your personal credit. Source: http://goo.gl/ORNsSc

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