Check free credit report North Dakota

The FTC has check free credit report North Dakota declined to publish a list of national specialty consumer reporting agencies that are subject to this requirement.

We will publish a list of these agencies and the toll free number or other means of access as this information becomes available. In the meantime, if you are asked to submit to an employment background check, it is a good idea to ask the employer for the name of the company that will do the check. Background Checks and Your Credit Report An employment background check often includes a copy of your credit report. The three major credit reporting agencies (Experian, TransUnion, and Equifax) provide a modified version of the credit report called an "employment check free credit report North Dakota report." An "employment report" includes information about your credit-payment history and other credit habits from which current or potential employers might draw conclusions about you. An employment report provides everything a standard credit report would provide.

However it doesn'check free credit report North Dakota t include your credit score or date of birth. free credit reporting

Nor does it place an "inquiry" on your credit file that may be seen by a company looking to issue you credit. Having too many credit inquiries tends to lower check free credit report North Dakota your credit score.

Why does the employer do a credit check? Often employers use your credit history to gauge your level of responsibility.

Whether a valid assumption or not, some employers believe if you are not reliable in paying your bills, then you will not be a reliable check free credit report North Dakota employee.

Unfortunately, a bad credit report can work against you in your search for employment. For more on how a credit record can affect check free credit report North Dakota your job search, see the check free credit report North Dakota FTC's fact sheet on this topic, www.ftc.gov/bcp/conline/pubs/alerts/ngcrdtalrt.htm In addition to your payment history, a credit report typically includes information about check free credit report North Dakota your former addresses and previous employers. denied credit free credit report Employers can use this as one way to verify the accuracy of information you provide on an application or check free credit report North Dakota resume.

My credit rating check free credit report North Dakota went down when I lost my job. Often a poor credit rating results from circumstances that are beyond your control. The loss of a job or high medical bills often leads to late payments, even bankruptcy. Still a bank or other financial institution may reason that a solid financial history is a qualifying factor for an employee who has control over substantial sums of money. However, the same argument check free credit report North Dakota cannot be made when a credit check serves only as a kind of character screening.

Some states have now recognized the unfairness in this by adopting laws that require a direct relationship to the job before a credit check is made.

Several states have check free credit report North Dakota passed laws limiting credit reports for employment decisions with provisions that require a nexus to actual job duties. free credit report by mail Those states are: Washington, Oregon,Hawaii, check free credit report North Dakota Illinois, Maryland and Connecticut. In addition,a bill captioned the Equal Employment for All Act (check free credit report North Dakota HR 3149) is making its way through the U.S.