Be sure to request your credit report and verify that your credit history is up to date and accurate before seeking a new job. Prospective employers often run credit checks on potential employees prior to making hiring decisions, and negative listings could hurt your chances for employment or a promotion. The Fair Credit Reporting Act (FCRA) is the law that requires employers to obtain a prospective hire’s consent prior to pulling a credit file.
Employers Must Obtain Permission
Employers must obtain your written permission before they can access your credit file. During the application process, the employer should provide you with background check disclosure and authorization forms that require your signature.
Easy to Understand Forms
The Federal Trade Commission (FTC) states that these authorization forms should be free of “complicated legal jargon” or “extra acknowledgement or waivers.” You should never feel confused or misled when it comes to authorization forms that an employer or prospective employer provides in order to get your consent to view your credit.
Your Right to View the Report
You also have the right to see the report that the employer used as a means to determine your employment. You should inform the prospective employer that you want to have a copy whether you are hired or not.
Seek Legal Advice
Flitter Milz is a nationally recognized consumer protection law firm that represents victims of inaccurate credit reporting. Contact us for a free evaluation of your reports.