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Denied A Job Because Of Your Credit Report? Get Your Free Credit Report Now! |
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Your free credit report reflects your financial status and determines your eligibility to purchase a home or a loan. It is equally important when you are looking for a job. Although a criminal history is a bigger factor in getting rejected for a job, a poor credit history is also no less a factor. The Society for Human Resource Management states that about 35% of companies pull free credit reports for existing or prospective employees. Obviously the human resources department of the company where you want to work evaluates your credit report in addition to evaluating how you did in your interview and what you have on your resume. It is, therefore, essential for you to get a free credit report from one of the three major credit bureaus (Equifax, Experian and TransUnion) and study it thoroughly to check for any errors and if you do find any errors in your free credit report, you should take steps to get the inaccuracies eliminated so that your free credit report gets the shape that will help you in getting the job. Start off by first getting your free credit report If you are unable to get a job because of your credit report, get a copy of your free credit report immediately and analyze it thoroughly to see what it looks like and what message is hidden behind those figures. You have to realize where you have gone astray and take measures to come out of the negative aspects. If you can improve your credit report by eliminating the negative factors in it, you will find that it will become easier to get a job. If you are without a job, you might think that you will not be able to spare money for getting your credit report. Take heart as you don't have to spend any more money to get your credit report because you are entitled to a free credit report copy right now! A free credit report can be obtained from many sources but the most common place is from a credit reporting agency or monitoring service. These sources oblige with a free credit report as an incentive to subscribe to their credit monitoring service. You can also get more information about a free credit report from the internet. What Entitles You To A Free Copy Of Your Credit Report? The Fair Credit Reporting Act (FCRA) has been enacted to protect consumers' interests and their credit history, limiting who can see it and what information can be contained there within. It also empowers customers, who do not have the means to pay for the credit reports, to get to see their free credit reports. There are other conditions under which you can have access to a free copy of your credit report such as unemployment. You can also get your free credit report copy if you are on welfare. What is the information required to get a free credit report copy? Your free credit report can be sought from any of the three major credit reporting agencies (TransUnion, Equifax, and Experian). However, these agencies will ask for information from you regarding your unemployment when you apply for a free copy of your credit report. They will use unemployment as a reason and will want to know the name of the company where you last worked, its address and its telephone number. Limitations On Getting Your Free Credit Report Copy You are entitled to receive one free credit report copy due to your unemployment status every 12 months. However, if you are unemployed and are actively searching for a job and if you get turned down and if you think that you were refused the job because of what your credit report says, you are entitled to another free credit report copy but within a period of 60 days of when you were turned down for the job. |
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