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Check Credit Before Job Hunting

If your New Year's resolutions include finding a new job, be sure you find out what's in your credit report before potential employers do by pulling your credit report from the three big repositories.

Looking at your credit report tells an employer how you manage money. It also reveals where you shop (think twice before you open a store account at a lingerie shop), how much you charge, what mortgaged properties you own, and shows your delinquencies, bankruptcies, judgments and liens.

Employers will also see prior employment information, so be sure your credit report matches your resume.

You'll also see a list of just who has ordered copies of your credit report, which may include your current employer (if the stack of paperwork you signed when you took your current job included a form giving your employer permission to check your credit).

If your credit report has a mistake, you'll find information about how to correct it at the Web sites of Equifax, Experian and TransUnion.

If your credit report is bad and it's also accurate, during interviews be prepared to exhibit extreme contrition about your past mistakes. Keep your explanation short and include a statement about how you've corrected the problem. Then turn the interview back to the real issue - what you can do for the employer.

AUTHORDona DeZube Insider Comment
  • De
    13 April 2009


    Your comment/quote- in relation to - Is It Fair?
    If you have poor credit, you're unlikely to agree with employers who think good credit is important. Instead of beating your head against the wall, try applying for work with smaller companies where the hiring process isn't standardized and there are no professional human resources folks to suggest credit checks.

    I honestly do not agree with snide remark about going to some small company where HR techs are less professional? Are you joking? It is far from being fair but very stupid to pull credit in the 1st place regardless of credit scores. There is absolutely no correlation between character and someones ability to do the job. Statistics have also proven that there is NO correlation between poor credit and someone having the potential to steal or for that matter with clearance jobs sell top secret material. WHAT was proved is that the top spies in the US did sell they're documents to foreign nations for little money and the metal profile that they fit proved it was more about the elitist mentality for the reason they stole in the 1st place not needing the money. SO I believe your comment is too condescending

  • pr
    8 January 2009

    To come to this extent in india it will take lot of time, as US is well organised , changes can take place like that, however inida to reach to that position its a joke with the polititions of our country.

  • DO
    7 January 2009

    REALLY good advice! thx! for the other readers...i like this site for job hunting cuz it's funny and has TONS of 411:

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