Drug testing

Trying to Land a Job? Poor Credit Scores May Hurt Your Chances

Many employers are now looking at an applicant's credit report for hiring purposes. During an interview process a potential employer may request your written consent to access your credit report. A credit report is essentially your credit history created by CRAs (also known as credit bureaus). Debtors that grant (or deny) you credit make regular reports about your account status to CRAs. This information is then aggregated on a credit report and calculated into your "credit score".

Besides your credit history a credit report also contains a substantial amount of sensitive personal information. This includes your date of birth, social security number, telephone numbers (including unlisted numbers), current and previous addresses, employment, credit payment status and even legal information. The federal Fair Credit Reporting Act (FCRA) has made regulations too keep this information private. There are state and federal laws on who can obtain this information and how they can use it. However as mentioned earlier, any potential employer can access this information upon your written consent and take it in account during your hiring process.

What can you do? Depending on where you live you can may be entitled to receive a free copy credit report. Your may also find about who has viewed your credit report and other related information. For information we recommend visiting www.privacyrights.org

In some cases your credit report may contain inaccurate information which can very detrimental to your credit score. In this case it may be a good idea to get some help disputing and repairing a damaged credit report. One reputable company, Onyx Credit Repair has the resources and expertise to assist you in this situation. Visit their website at http://www.onyxcreditrepair.com.

It seems that having a strong credit score will continue to become increasingly important in this day and age. It is unfortunate that your credit report can be exploited for hiring and/or marketing purposes. It is legal for credit bureaus to generate selling lists of consumers who are more susceptible "pre-approved" credit card and insurance offers. You can however prevent credit bureaus from taking advantage this information. Visit www.privacyrights.org or contact Onyx Credit Repair (http://www.onyxcreditrepair.com) professionals for more information.

Onyx Credit Repair has been assisting clients with effectively repairing their credit scores for over 17 years. We offer credit repair consultants who assist our clients throughout the duration of their credit repair. For more information about our company please visit http://www.onyxcreditrepair.com/company.html

limousine chicago service
In The News:

Credit and Loan Help for Mortgage Loans

Mortgage loans are some of the most difficult loans to... Read More

What is Credit Repair and How Can It Help You?

There are millions of consumer credit reports on file from... Read More

How To Eliminate Credit Card Debt

There is almost nothing more troublesome than having too much... Read More

Identity Theft Exploding: Here?s How You Can Avoid Becoming A Victim

Americans are more concerned about identity theft than unemployment or... Read More

Fair Credit Reporting Act: What You Should Know About It?

The Federal Fair Credit Reporting Act (FCRA) is designated to... Read More

New Credit Advice: Dont Pay off Those Credit Cards!

Credit needed for real estate mortgage financing differs from credit... Read More

ChexSystems: Alternative Options for People Whove Been Checking Accounts

Individual banks elect to become members of ChexSystems, and to... Read More

Opting For A Credit Card? Check Out Certain Terms

You've just received a "pre-approved" credit card offer in your... Read More

Credit Cards - The Top 3 Things You Need To Know

Today there are so many different credit cards available, student... Read More

What Is A FICO Score?

A credit score is most commonly known as a FICO... Read More

Everything You Always Wanted To Know About Your Credit Report

Your credit report is a very powerful report that essential... Read More

Dealing With and Repairing Bad Credit

Bad credit can be a burden for otherwise good credit.... Read More

Can You Acquire Good Credit Overnight? You Bet

Your credit file may not reflect all your credit accounts.... Read More

Its Your Credit - Take Care of It!

Thanks to the Fair and Accurate Credit Act, American consumers... Read More

Tips for Credit Card Surfers

Moving money from credit card to credit card to take... Read More

Myths and Truth about Credit Scoring

Credit score is the key factor determining approval of almost... Read More

How To Choose A Credit Card

Your credit score may just be a little number, but... Read More

Credit Card Disclosure Table ? Do You Understand It All?

In addition to the APR (annual percentage rate) and the... Read More

Credit Score: The Brightest Feather In Your Financial Cap

Credit scores are the most important aspect that determines your... Read More

Credit Repair Services vs. Do-It-Yourself Credit Repair

Millions of Americans suffer because of bad credit these days,... Read More

The Hazards Of Your First Credit Card

You probably don't need me to tell you credit cards... Read More

What Happens When Your Credit Is Damaged? Do You Have Recourse?

The good thing about bad credit is that you can... Read More

Understanding Credit Card Penalties

Because most of us have one or two credit cards... Read More

Identity Theft ? How Can You Prevent It Happening to You?

The nightmare of identity theft strikes an estimated 750,000 people... Read More

The Credit Card Surprise That You Need to Look Out For

Companies that issue credit cards want to make a profit.... Read More

under the street lights low voltage walkway lights Pete's produce ..