Can I Refuse A Credit Check With An Existing Employer?

Present day employment scenario involves prospective employers doing a credit check on finalized candidates and seeing their credit reports

. Employers take this step to judge if you are a risk they could take up. What are your rights regarding this check, read on to know.

Are you trying to determine how to increase your credit score because your employer wants to see it? It is becoming more common for employers to request the ability to view your credit report. The reason is simple. This type of report can provide them with information about how stable you are, if you are a good risk for a financial job as well, as if you take your finances seriously. When considering these factors, it makes sense for employers to ask for this information, but what if you do not want them to see your not so perfect credit?

What Are Your Rights?

Unfortunately, there are no limitations or rights for individuals who want to protect their credit score from their employers. You do not have to provide them with permission to obtain a copy of your credit report. However, there is no law that prohibits your employer from not promoting you, not transferring you to another position or even releasing your employment if you decide not to. In other words, by saying no, you could be limiting your future with the company.

What You Should Do

If you know your employer plans to obtain a copy of your credit report, it is best for you to increase credit score information as soon as possible. In most cases, the employer is looking at the details of the report, not the actual number. However, when you learn how to increase your credit score, you will also learn how to make your report look more impressive.

* Get a copy of your report and get it cleaned up.

* Dispute any errors on your credit report through the credit reporting agencies.

* Ensure that only accurate identification information is provided.

* Pay your bills on time every month.

* Reduce the amount of debt you have, if possible.

It may be hard to increase your credit score right off the bat, but over a period of time, you can improve it. You can also alert your employer about any financial problems you had or the errors you are working on removing as well. This may help to lessen the blow you may face for having a poor credit report. Most employers want to ensure you are making good decisions, or at least working your way to improving your financial standing rather than worsening it. After all, if you cannot manage your money, how can you manage the company's money?

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by: Courtney Dawson

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