Posts tagged "social"

credit score job search

Your credit score and your job search

In today's world, background checks and drug testing potential employees have become common in most industries. Most job seekers understand that a background investigation including criminal history and employment. Unfortunately, many do not realize that most of all backgrounds controls also include your credit score. Consent is required for the disclosure of such information. Ask if the consent to background check includes a credit report. Any refusal to give consent to a background check, of course, raises big red flags immediately eliminate a candidate from serious consideration for the position. The key here is preparation. When consent is given for an audit story, make sure you know in advance what to expect. Every American is entitled to a free annual credit check. Make sure to request this report. This is an opportunity to resolve errors in your credit report. If there is legitimate information on the negative report, you can try to solve the problem, or at least be prepared for some tough questions to a prospective employer.

A low credit rating can affect the chances of a job. This is especially true if the open position includes full financial responsibility. If your work involves a recruiter, be sure to keep the recruiter informed of any negative information can be revealed. This recruiter to tell you if the situation should be discussed with a prospective employer. According to the company and the position of a low credit score may be an opportunity to work. If this happens, do not waste your time or time of the interview. Moreover, the recruiter may be able to discuss the situation with the employer and pave the way for an interview and final job offer. Many employers are reluctant to hire candidates with financial problems and poor credit is not automatically "no."

If the opening position does not describe the requirements your credit score, you may not need to discuss credit issues until a firm job offer has been made and you know that the credit check is imminent. At this time, request a meeting with the right person, a person susceptible to human resources. Bring a copy of your credit report at the meeting. Be prepared to explain what caused the lowest score, which made mention any impact on job performance before, and explain what to do to increase your score.

In short, in their search for work, make your homework and get a copy of your credit report, fix any errors, take steps to improve the score and to be honest. With honesty and a positive attitude, prospective employer may be willing to give you the opportunity to prove they are worthy of the task.

About the Author

Mel Otero, author, worked in management in the mortgage banking industry and title insurance industry for over 25 years. She has been mystery shopping part time for over five years. She has started web sites and written articles to provide information, resources and inspiration during this difficult economy. She loves to write, learn, and share information. RESOURCES FOR COPING COPE WITH JOB LOSS