Freecreditreport Erie

Credit expert John Ulzheimer walks you through what employers can and cannot do when it freecreditreport Erie comes to your credit. To start out, its important to clearly define a couple freecreditreport Erie of credit-related terms. According to section 604 of the Fair Credit Reporting Act it is perfectly legal for any of the credit reporting agencies to furnish a credit report for the purposes of freecreditreport Erie employment screening.Some freecreditreport Erie states have made it illegal, but its still perfectly legal in most states thanks to federal law.Your overt permission must be given in order for a prospective employer (or current employer) to access freecreditreport Erie your credit report, freecreditreport Erie which is different freecreditreport Erie from a lender pulling your credit report, where no overt permission is required. get free credit

The credit reporting agencies, the root source of credit reports for employment screening, do not provide the same type of credit report to employers as they provide to lenders, insurance companies, landlords or utility providers.It is a specifically designed version only for use by employers or employee screening companies.This is important because credit scores are not provided with those employment specific reports. Yet the terms credit report and credit score are often used interchangeably, and many people have come freecreditreport Erie to believe that they are the same thing.And because of that, many people believe that credit scores play some role in whether or not you will get or keep a job.This, of course, is not true it is only the credit reportthat might play that role, and only with your permission. reporting identity theft Greg Fisher from CreditScoring.com created a video collage of media outlets, a mistaken Equifax executive and even a FICO advertisement, all claiming that freecreditreport Erie employers use scores: freecreditreport Erie This all contributes to a myth that freecreditreport Erie just wont die. Yet all of the credit reporting agencies have gone on record time and time again stating that they do not freecreditreport Erie provide credit scores to employers. And the freecreditreport Erie Consumer Data Industry Association (CDIA), the trade organization of the credit reporting agencies, has done the same.

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Credit expert John Ulzheimer walks you through what employers can and cannot do when it freecreditreport Erie comes to your credit. To start out, its important to clearly define a couple freecreditreport Erie of credit-related terms. According to section 604 of the Fair Credit Reporting Act it is perfectly legal for any of the credit reporting agencies to furnish a credit report for the purposes of freecreditreport Erie employment screening.Some freecreditreport Erie states have made it illegal, but its still perfectly legal in most states thanks to federal law.Your overt permission must be given in order for a prospective employer (or current employer) to access freecreditreport Erie your credit report, freecreditreport Erie which is different freecreditreport Erie from a lender pulling your credit report, where no overt permission is required.

The credit reporting agencies, the root source of credit reports for employment screening, do not provide the same type of credit report to employers as they provide to lenders, insurance companies, landlords or utility providers.It is a specifically designed version only for use by employers or employee screening companies.This is important because credit scores are not provided with those employment specific reports. Yet the terms credit report and credit score are often used interchangeably, and many people have come freecreditreport Erie to believe that they are the same thing.And because of that, many people believe that credit scores play some role in whether or not you will get or keep a job.This, of course, is not true it is only the credit reportthat might play that role, and only with your permission. Greg Fisher from CreditScoring.com created a video collage of media outlets, a mistaken Equifax executive and even a FICO advertisement, all claiming that freecreditreport Erie employers use scores: freecreditreport Erie This all contributes to a myth that freecreditreport Erie just wont die. Yet all of the credit reporting agencies have gone on record time and time again stating that they do not freecreditreport Erie provide credit scores to employers. And the freecreditreport Erie Consumer Data Industry Association (CDIA), the trade organization of the credit reporting agencies, has done the same.