There is a big difference between the credit report you or your potential lender can see and the report pulled out by your employer. The modified version accessible to the employers omits any information that can in any form violate equal employment regulations; for example, employers do not see your marital status or birth year. Besides that, employers do not have access to your credit score; so they cannot see the actual three-digit number available in your credit report which is assigned to your name based on the information in your credit file. Furthermore, employers cannot request this number since it does not influence your potential of being a good employee in any way. What an employer sees is your payment record, the amount you owe, and the currently available credit.
Remember that Employment Inquiry (request to provide your credit record at a potential workplace) has no impact on your credit score at all; it equals your own request to receive your credit score. Should the employer refuse in your employment based on the credit report they receive, they are obliged to inform you about this. In this case, you are also warranted to request a free copy of your credit record.Get Started Now!
Please vote for the article: