Credit history reports Sioux City

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Create a Free Forum at Webs.com Create a Free Forum at Webs.com Related You're all set to hire a new employee. You've interviewed the person thoroughly, called their references, and verified their skills.

But there's one thing you probably haven't done: checked their credit. Increasingly, savvy employers are using credit checks as another way to measure the integrity of potential workers. After all, companies have been using credit bureaus for decades to determine the reliability of vendors, suppliers, and other firms they do business with. credit expert

So it makes sense for companies to do the same with people they're about to credit history reports Sioux City hire, especially if those people will be coming in direct contact with cash credit history reports Sioux City or sensitive information.

Indeed, a recent survey by the Society for Human Resources Management found that 60 percent of all employers run some type of credit history reports Sioux City credit check on their applicants.

By credit history reports Sioux City checking the credit of a potential employee, you can see whether that person typically pays their bills on time and how responsible they are when credit history reports Sioux City it comes to money. This kind of information can tell you a lot about what kind of employee that person will likely be. But before credit history reports Sioux City you start pulling credit reports on prospective employees, you have to take certain precautions. getting free credit reports First, it's illegal in some states for credit reporting agencies to provide a credit report to credit history reports Sioux City companies that plan to use the information for employment screening. In particular, Hawaii and Washington ban companies from performing a credit check on potential employees. However, in most states it's perfectly credit history reports Sioux City legal under federal law.

Specifically, section 604 of the Fair Credit Reporting credit history reports Sioux City Act states that it's permissible to use credit information for employment purposes. The one caveat is that potential employees must give you written permission to access their credit report. Also, keep in mind that credit reporting agencies won't provide you with the actual credit score of employees or prospective hires. Instead, they'll provide you with a credit report designed specifically credit history reports Sioux City for employers. This report contains information about the payment habits of the person in question but not an actual credit score. Employers are required under federal law to tell candidates if credit history reports Sioux City they used the credit information to deny them the job. In reality, however, most employers find some other reason for not hiring the candidate -- or simply don't give them a reason at all -- just to avoid all the legal complications and rigmarole. free online credit reports While it may be perfectly credit history reports Sioux City legal to use a job applicant's credit report in the hiring process, credit history reports Sioux City some question whether it's ethical. After all, sometimes there are good reasons why people fall behind on credit history reports Sioux City their payments or can't pay their bills. An unexpected medical procedure, for credit history reports Sioux City example, or a long layoff can put normally trustworthy people on precarious financial footing. As a result, it may be unfair to penalize these people credit history reports Sioux City even more by denying them a job they are otherwise qualified to do.