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Pounding The Pavement? Get Your Free Credit Report Copy Now |
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A free credit report can determine your
eligibility to purchase a home or vehicle, and ultimately determine your overall quality of life. So, it is an important document, especially for people who are considering making a major purchase, like a house or a car. But the question is why would you want a free credit report copy when you're looking for a job? According to a survey by the Society for Human Resource Management, about 35% of companies check free credit report(s) for existing or prospective employees. Though it's common for people to get turned down due to a criminal history, people may get turned down due to their credit history. This is a lesser known fact. So in addition to evaluating how well you did in your interview and what you have on your resume, the human resources department of your prospective employer may also be evaluating your credit report. So, before you go for a job interview, apply for your free credit report and check it thoroughly. You can get a free credit report from one of the three major credit bureaus: Equifax, Experian and TransUnion. You should then closely check your free credit report for errors. Once you make sure that all the information supplied in the free credit report is accurate, and then you're ready to face the interview. However, if there are any errors in your free credit report then you should correct them as quickly as possible. While checking your free credit report, don't forget to see what kind of an impression it gives of your debt management skills. If you think it doesn't give a good impression of you, then you need to take steps to ensure that it's in the shape you need your free credit report to be. It's bad for your confidence to be denied a job because of your credit report. So, if you're worried about your credit history, stop worrying and instead take first steps to control the situation. The first step is to get your hands on a copy of your credit report, so you can see for yourself what it looks like and what it tells about you. But since you're unemployed money might be a little tight. And the last thing that you'd want to do in such a situation is to spend some more money on getting your credit report. According to the law, if you're unemployed you're entitled to a free credit report. The Fair Credit Reporting Act (FCRA) law protects the consumer's credit history, limiting who can see it and what information can be contained there within. It also mandates that consumers should not be prevented from seeing their free credit report(s) just because they don't have the wherewithal to pay for them. Other conditions also allow you access to a free copy of your credit report. Besides unemployment for example, you could get your free credit report copy if you were on welfare. So, you can avail of this opportunity to get one at no cost. A free credit report can be obtained from a variety of different sources. The most common place to get a free credit report is a credit reporting agency or monitoring service. A credit monitoring service will want you to subscribe to their service and therefore will usually offer a free credit report as an incentive. And a good source for locating such offers and more information on a free credit report is the Internet. You can also request for a copy of your free credit report from any of the three main Credit Reporting Agencies (TransUnion, Equifax, and Experian). But the Credit Reporting Agency (CRA) is going to want information regarding your unemployment when you apply for a free copy of your credit report stating unemployment as a reason. So, you should remember to supply the name, address and phone number of the company that had employed you last. But you're eligible for only one free credit report due to unemployment, for every 12-month period. However if you have been turned down for jobs and think that your credit report is the reason for these rejections, you're entitled to another free credit report, within 60 days of being turned down. |
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