Most people are unaware that having a bad credit rating will affect your chances of employment and it is perfectly legal for them to refuse to hire you because of a low credit score. And thanks to modern technology it is easier than ever to go on line and check the credit. Which is exactly what most employers will do.
If you will be handling money or have access to any type of sensitive documents the companies will be much more concerned with security and theft. The law requires you to give permission for the company to access your credit records. If you refuse to give permission and want to keep your credit history private keep in mind that your refusal probably raises a red flag just like bad credit does. Studies have shown that when a company is faced with two equally qualified candidates but differing in their financial situations the company is far more likely to hire the one with good credit.
As a general rule the biggest companies that use credit reports for employment purposes are the financial services, government employers and the chemical/pharmaceutical ones. If you will be privy to personally identifying information in any company and have bad credit there is a fairly good chance of not being hired. Today, more and more employers are beginning to use a credit report as an indicator of your financial honesty and personal integrity. The good news is that a bad credit history does not have to be the end of the road. There are things that can be done to raise your credit score dramatically.
By Dave Nachel
About the author
If You Can Read and Write at The 5th Grade Level I Can Show You How to Raise Your Credit Score Up to 249 Points in 90 Days! Raise Your Credit Score Now is the place to visit.
Check Out our Blog For More Informative Articles! Credit Repair Facts is a must.
Here is the executive summary of this fantastic book:
Collecting Money is about people’s ability to relate to other people.
Collection industry Guru, John Woodworth of The Express Group talks about his best selling collection hand-book “The cheque’s in the post”. The book is a must have for any person or business that needs to collect money.
101 Powerful Tips for Legally Improving Your Credit Score.
Do you make these common credit mistakes?
Did you know that often just one phone call to the right company can save you from getting a knock on your credit? (I’ll tell you who on page 33) Further knocking down your rating…
…And decreasing the chances that any lender will trust you anytime soon. If it means the difference between getting the loan and not, that one phone call could mean getting your new car (to replace the old one that might break down on you at any time).
One thing I know about people who are in financial trouble, is they are often victimized by people looking to make a buck. Now listen to me good. There are places who really will help you dig yourself out of the hole and repair your credit rating. (I tell you were on pages 22 & 23)
But there are some businesses out to exploit you. You’ve probably seen their shops located around town. And still other places hide behind the fact that they’re a “credit repair agency”. Don’t be suckered!
When you read my guide I’ll let you in on the real world tactics of businesses who are trying to take advantage of vulnerable people… and organizations who really are there to help you.
In 50 pages, I take you on a guided tour through the credit industry. So that you know exactly why your credit rating may be low. Exactly how to begin repairing it starting today. All in order for you to reclaim trust from creditors, lenders, and renters who are only looking at a number.
Financial advisors can charge hundreds of dollars for their consultations. And I know my stuff. But here’s the deal. Since I’ve already written all this information up… It’s all in one convenient spot.
Within my 50 page guide, “101 Legitimate Tips For Boosting Your Credit Score,” I’ll teach you exactly how the credit bureau’s do their business. I’ll teach you how to regain their trust step by step, and even show you a few simple tricks for being financially responsible.
You can download my guide straight to your computer in minutes. Once you do, the tips and tricks inside will blow your mind…
…here is just SOME of the information you will find inside:
What’s a good credit score? And at what score should I start to be worried. (Page 4)
Even if you pay all your bills on time, you may still have marks against your credit. See why here. (Pages 4-5)
3 top credit agencies and how to keep tabs on them. (Page 5)
4 ways the credit bureau’s look at your lending history - and how important each view is. (Pages 6-7)
3 ways to boost your credit score (and it’s not just paying your bills). (Pages 7-8)
10 steps to protecting your identity from thieves who may destroy your credit on their joyride across the country. (Page 9)
4 steps to take right away if you think you’ve been a victim of identity theft. It may not be too late. (Pages 11-12)
5 common credit mistakes you may commit if you don’t know about them in advance. (Pages 12-14)
How not having any debts may actually hurt your credit score. (Page 14)
How to dispute bad marks on your credit report. (Page 15)
After you contact the credit bureau about an error in your credit report, make sure you contact these people next. (Page 16)
The truth about “free credit reports” online. (Page 17)
3 ways to start building up trust after a major credit disaster. (Pages 17-18)
When to consider declaring bankruptcy. (Page 21)
5 organizations that can help you when you’re in over your head. (Pages 22-23)
When you should fear credit repair companies. (Pages 23)
6 common scams some credit repair companies try and pull. (Pages 24-25)
How to use your bank as an ally in your fight against bad credit. (Page 25)
5 ways to curb your spending habit. (Page 27)
How to automatically cut down on your spending without beating yourself up. (Page 28)
6 ideas for adding extra dollars to your monthly income. (Page 29)
4 steps to preparing ahead of time for financial emergencies. (Pages 29-30)
The secret to changing the way you think about money. (Page 31)
7 most common reasons why credit scores are lowered. (Pages 31-32)
3 reasons why change in your life is not always a good thing. (Pages 32-33)
How a simple phone call may help out your credit. (Pages 33-34)
When a “late fee” is easily waived. (Page 34)
The secret to setting short-term goals to repair your credit yourself. (Page 35)
When seemingly small differences in credit scores can have a huge impact on the interest you pay. (Page 36)
How to set your finances on autopilot. (Pages 36-37)
When refinancing is the best option. (Page 37)
What you should always know before talking to a lender. (Page 38)
How to encourage a potential lender to look at you instead of your credit rating. (Page 38)
How to make paying your bills easier on yourself. (Pages 39-40)
How you can take advantage of being a student while trying to repair your credit. (Page 41)
The secret to handling student loans (and when you may be able to award yourself a six month grace period on paying your bills). (Pages 42-43)
When to take out a loan to repay your debts. (Page 44)
Which “cash advance” agencies to stay away from (or you risk destroying your credit). (Page 45)
6 ways to handle the stress of being in debt. (Pages 46-48)
And there’s MUCH more - guaranteed!
It’s Not Too Late To Build A Credit Rating You Can Be Proud Of!
