How Can An Employer Access Your Credit Report To Check

An employer has several legal obligations to fulfill when it comes to checking the background of an employee including his credit report.

The one major point regarding an employer accessing your credit report is that he’s each must get permission from you in return before he can contact the credit reporting bureau to access your credit file. If you are worried about the information on your credit is pot and refused to give permission, you may well likely be refused a job. But then again giving access to your credit report to an employer when you know that it has damaging information may still result in the job getting denied due. For this reason it is a good idea to order a free copy of your credit report from each of the credit bureaus before you apply for a job. You may either have a suitable explanation for your empire for any negative information present on it or you may start working on it a bit in advance to fix and repair any mistakes or negative information.

In other to access your free credit report visit http://www.annualcreditreport.com or call 18773228228.

When you order your free Annual Credit Report you will need to verify your identity for providing your name, address, Social Security number, date of birth as well as additional information that only you are supposed to know about such as a loan account number, mortgage payment etc. Keep certain basic financial information handy when you are trying to access your free Annual Credit Report.

You can also fill out the complete Annual Credit Report request form and mail it to the following address to get your credit report through postal mail.

Annual Credit Report request service, P.O. Box 105281, Atlanta, GA 30348 — 5281.

You can access the Annual Credit Report request form from www.FTC.GOV/credit.

There are also some more legal obligations that an employer is supposed to follow. He must show you the credit report and he must tell you how to get your own copy. If you are denied a job, you can access your credit report for free within 60 days.