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Your Access to Free Credit Reports The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Q: Do you think it is ethical for businesses to use a job applicant's credit report and rating in the hiring process? I have a feeling that I have been hurt by this practice. This is a hot subject these days, and it's the credit check free online Bangor basis for a number of lawsuits that challenge the growing practice and seek to credit check free online Bangor ban any use of credit-report checks in hiring decisions. (The law forbids employers from checking your credit score.) There are various reasons for a spotty credit record, including limited previous use of credit, which shouldn't be held against anyone. free credit report monitoring Some people get into credit trouble because of unforeseen crises, such as a severe illness with big medical bills or a lengthy layoff with no severance.

Other people, whatever their income, simply live beyond their means on a regular basis, overspending on credit check free online Bangor credit. To some employers, that would raise credit check free online Bangor a warning flag about an applicant's possible lack of self-discipline — and maybe credit check free online Bangor even lack of integrity. And employers might reasonably be concerned that an employee's money woes could tempt him or her credit check free online Bangor to steal or to pad an expense account. Whatever the courts eventually decree in pending lawsuits, I think the most ethical outcome would be a middle ground — allowing the continued use of credit checks in evaluating job applicants but giving credit check free online Bangor applicants the right to explain negative information in their reports. free credit report by mail

(I also think that arrest records — say, for disorderly conduct or DUIs — may ethically be credit check free online Bangor used in evaluating job applicants, with a similar right for applicants to explain the infractions.) Employers could still use a credit history as one of numerous factors in evaluating someone's fitness for a job, but no one could be rejected simply on the basis of that history. So many candidates with similar qualifications — education, special skills and job experience — are looking for work these days that it's understandable if employers often look credit check free online Bangor for small differentiating factors (positive and negative) to help them make decisions. A version of this article appeared on Kiplinger credit check free online Bangor on March 1, 2011 A Q&A with uber-career hopper Paul Hoffman 65 Ways Retirees Can Cut Their Day-to-Day Expenses Cash as a birthday gift? Yes, please Why you cant get enough of McDs monopoly game What you need to know about private sales The trademarks/service marks BUNDLE, Bundle.com and the Bundle logos are the property of Bundle Corporation. All other trademarks displayed on this site are the property of their respective owners. 5 Big Mistakes to Avoid With rates at record credit check free online Bangor lows, here's how to get the best rate possible. moneywatch.com / Spending credit check free online Bangor by MoneyWatch.com | Oct 19, 2010 credit check free online Bangor As important as your credit score is to your financial health, very few people truly know how their scores add up. free credit report from 3 bureaus

And plenty of consumers get it wrong on the important questions, like how credit check free online Bangor to raise your score or how long a black mark lasts. MoneyWatchs Jill Schlesinger asked John Ulzheimer, president of consumer education credit check free online Bangor for Credit.com, to name the most credit check free online Bangor common misunderstandings and to tell us what credit check free online Bangor will really hurt (or help) your score. As important as your credit score is to your financial health, very few people credit check free online Bangor truly know how their scores add up.