Online credit report free Rhode Island

Unfortunately, a bad credit report can work against you in your search for employment. For more on how a credit record can affect your job search, see the 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 your former online credit report free Rhode Island addresses and previous employers. Employers can use this as one way to verify the accuracy of information you provide on an application or resume. My credit rating went down when I lost my job.

Often a poor credit rating results from circumstances that are beyond your control. credit check online 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 online credit report free Rhode Island that a solid financial history is a qualifying factor for an employee who has control over online credit report free Rhode Island substantial sums of money. However, the same argument cannot be made when a credit check serves only as a kind of character screening. online credit check free Some states have now recognized the unfairness in this by adopting laws that require a direct relationship to the online credit report free Rhode Island job before a credit check is made. Several states have passed laws limiting credit reports for employment decisions with provisions that require a nexus to actual job duties. Those states are: Washington, Oregon,Hawaii, Illinois, Maryland and Connecticut. In addition,a bill captioned the Equal Employment for All Act (HR 3149) is making its way through the U.S. On January 19, 2011, the bill was reintroduced as HR 321 and was referred to the House Subcommittee on Insurance, Housing and Community Opportunity.

Shouldthe Equal Employment for Law online credit report free Rhode Island Actbecome law, potential employers who want to access an applicant’s credit report would have to show that credit history is related to the open position. check free credit score To follow the progress of this bill, go to http://thomas.loc.gov/home/thomas.php Can my employer continue to check my credit after I’ve been hired? Yes.