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| How Your Credit History Affects Your Job Hunt |
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As you begin searching for new jobs, realize that prospective employers can use the information in your credit report in their evaluation of your candidacy. Employers can also perform credit checks to evaluate employees for promotion or reassignment. Not all employers will check your credit. In many careers, though, such as law enforcement, applicants undergo extensive background checks before they are hired. Other employers may wish to check your credit report simply to verify your responsibility.
In any case, employers are required to obtain your written permission to look at your credit report. When an employer does check your credit report, the inquiry is recorded as a special type of inquiry that does not impact your credit score, because it does not indicate attempts at new credit. (Click here to read about the different types of inquiries and how they affect your credit score.)
If an employer decides not to hire you because of any of the information in your report, the employer must provide you with instructions on how to dispute inaccurate information in your credit report. Although there is no way to remove accurate negative information, you may wish to check your credit report to be sure that you were not rejected due to inaccurate information on your report.
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