Employment Background Checks

Posted On 11:25 AM by Andrew Calvillo |

When you apply for a job, an employer can decide to do a background check on you before hiring you. One of the types of information that they'll be most interested in will be your credit report. With this document, they will know where you live, how well you pay your bills, and whether or not you've filed for bankruptcy.

Prior to applying for a job, it's a good idea to have a copy of your own credit report. Know that each of the three biggest credit reporting companies—Equifax, Experian, and TransUnion—is required to furnish you with a free copy of your credit report once a year, so long as you ask for it. Other files that an employer might be interested in include your employment history, driving record, and criminal record.

Before they can obtain any of these data, however, the employer must first ask for your permission. You may refuse to give your approval, but the downside to that would be that your application might not get a second look. The decision is entirely up to you.

Aside from that, the employer must also inform you that information obtained will be used to make a decision on whether or not to hire you. This is usually done in writing. Again, you should know as a consequence of not giving your approval, you might not land the job, so weigh your options carefully.
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