How Credit Checks Can Prevent You from Getting Hired

It’s become more and more common for employers to request a job applicant’s credit history before making any hiring or promotion decisions.  Employment credit checks often keep qualified workers out of jobs.

Employers need written permission before they can access your credit report

If you’re interviewing for a job or being reviewed for performance or a promotion, your employer might request to view your credit file. You have to grant permission before the employer can check your credit report. The employer will provide a letter or document and ask that you sign it in order to proceed with requesting your credit.

You are always entitled to receive a copy of the report that was reviewed during this process.

Keep a copy of any document you sign

Ask the employer to provide you with a copy of the letter or document that you sign. Ask which reporting agencies will be contacted about your credit history. You’re allowed to request a copy of the report that the employer uses in their hiring decision or evaluation for promotion. You may also contact the reporting agency to obtain a copy of the report sent to the employer.

If the report lists any inaccurate information, you can dispute the credit report directly with the agency. Provide documentation that supports your claim. Be sure to send your dispute letter by certified mail, return receipt. If the reporting agency does not correct the inaccurate information, contact a credit report lawyer to discuss your options.

Always keep detailed records for each job application

Note the full company name, the interview dates(s), name of interviewer or company contact, and the interviewer’s position or title. Ask for copies of all documents with your signature, especially those related to credit reporting or employment screening companies that are used to evaluate your employment.

Maintain your personal employee file of all documents related to your employment. Keep copies of your resume, offer of employment, job description, performance letters, screening reports, and especially any letters related to your employer’s ability to access your credit file.