Most of companies check the job applicants' credit as a part of the background check as well as several checks for credit histories.
If your employer is situated in one of the seven states like Connecticut, Hawaii, Oregon, California, Illinois, Washington or Maryland, then credit checks cannot be used anymore. However, the federal discrimination law will check the business credit card statement, if you have ever used one. Regardless, make sure you keep your accounts together and maintain your records. You never know what can happen.
Before beginning your job search, obtain a copy of your credit score. That way, you will not receive any surprises from potential employers. You can achieve your copy of credit report from 3 credit services such as Experian, TransUnion and Equifax.
If you find a mistake on your report, then you can contact the creditor and clear it. What do you say when you are asked about your poor credit? First, it is important for you to keep an answer sheet. Make sure your answer is short and sweet; do not divulge unnecessary information.. If you are currently working at a company and you are facing credit problems, then you can seek help from your present employer (only do so if you feel comfortable enough to disclose your personal information. When you are going to apply for a new loan or credit card, you should offer the information about your present employer (with their consent). That information will benefit you. There is a lot of related credit information you can obtain from experts and through research.
