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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