Will Credit Difficulties Stop Your Job Search Cold
id you know that credit
difficulties can stop you Here's a tip all of us should use
dead in your tracks and at least once a year:
keep you from being hired? Credit
problems will stress you to the Find out your credit rating.
max, strain your personal
relationships, crush your morale You should, in fact, find out
and possibly paralyze you from what your credit rating is at
taking necessary actions in your least once a year. Under the FACT
job search. Act amendments to the Fair Credit
Reporting Act you are entitled to
It can also stop you from being one free credit file disclosure
hired! in a 12 month period from each of
the nationwide consumer credit
Remember when you signed on the reporting companies: Equifax,
dotted line of the job Experian and TransUnion. To
application? Somewhere in fine request your free annual
print there was a line that gave disclosure you may contact the
the employer the right to run a Central Source online at
credit check. A bad credit rating www.annualcreditreport.com or you
has the effect of ending your can also contact them by calling
candidacy for a job with all too toll free (877) FACTACT.
many companies as it is an (322-8228)
indication of how you handle
fiscal responsibilities. Rightly The three largest consumer credit
or wrongly, they make the reporting companies are:
assumption that this is how you CBI/Equifax www.equifax.com,
might perform as a future Experian www.experian.com and
employee by acting irresponsibly, TransUnion Credit Information
even stealing from the company. www.transunion.com. You can also
go directly to their websites. 850. The higher the number the
However, they will charge you for better the rating. Should you
a credit report. find any discrepancies, report
them to the firm immediately.
The free annual report is
available only through the While you are unemployed, you may
www.annualcreditreport.com link not always be able to avoid
and includes a report from all credit difficulties, but you
three companies. should never let them stop you
from being hired. Ever.
The ratings range from 450 to
About the Author:
Joe Turner makes it easy to quickly land that next job. Learn insider job search tips from top recruiters. To claim your free 6-part Recruiter Secrets Minicourse, visit http://www.jobchangesecrets.com/Free_Job_Search_Tips.html
Read more articles by: Joe Turner
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