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WARNING!!! Did you know this...?

Author	Comment
satex4	WARNING!!! Did you know this...?	Lead	[-]
Patron Posts: 14 (25/11/2008 21:39:37) Reply Quote More My Recent Posts Message Me Connection Blocking Invite Ignore User's Posts Report Post	Tags : None This is new since last year when I was job searching.... Now the prospective employer checks your CREDIT Rating!!!! Every time you're credit is checked your credit score is affected! SO, looking for a job is bad for your credit! How is that not an invasion of privacy!? How do they have the right to do that? I can see doing background checks but what does that have to do with your credit? I found out when my bank started sending me notices of activity on my credit service account! They have to have your Social Security number to do the check SO, from now on, I'm going to tell them that I'll give them my SS# AFTER I'm hired! If that's not OK then piss on them!!!!!! I'm plenty pissed already!
Mammi Bear		#1	[-]
Bloody Brew Posts: 275 (27/11/2008 11:41:33) Woodoo Doll Reply Quote More My Recent Posts Message Me Connection Blocking Invite Ignore User's Posts Report Post	wow.that's a new wrinkle...a real bad one...
MagicPony		#2	[-]
Absolut Wonder Posts: 1113 (27/11/2008 18:03:45) Lioness Reply Quote More My Recent Posts Message Me Connection Blocking Invite Ignore User's Posts Report Post	Actually I think you can instruct the Credit Bureas not to allow random checks on your credit, which is what all the credit card companies do before they send you those unwelcome solicitations in the mail. I am pretty sure that once you instruct the Bureas not to allow any checks on your credit, that no one but no one can run a check on your credit unless you give them express, specific permission to do so. It is a really good idea to do this because it also stops all those credit card companies from running ramdon checks on your credit. Regarding an employment application . . . I don't know. Each one I have ever seen requests your SSN # and permission to run background checks on you to different levels. Some background checks are pretty extensive. All government jobs require security clearance and those can go into such detail that they even include interviews with childhood friends. In other words they go back as far as it is possible to go back. Some of them. I think the best bet is to really read the application carefully, and then just don't put your SSN # down. You would be amazed. All the doctor's offices request the SSN #, and I just stopped putting it down. I have yet to run in to one single person at one doctor's office who has ever caught it. No one and I started doing that about two years ago. lol! They ask, but then they never bother to read what you write. Magic
FEBI 2007	lotsa employers check these days	#3	[-]
Grog Artist Posts: 49 (27/11/2008 20:26:35) Beer Buster Reply Quote More My Recent Posts Message Me Connection Blocking Invite Ignore User's Posts Report Post	Hi Satex, Hope your Thanksgiving was nice with your family. Lots of employers check credit these days --- its in the fine print above your signature to let them check credit. I mark that part out if I filled out a job app. Something equating job stability and length of people staying @ their job if their credit is good -- people with bad credit move from job to job I guess or shows some instability if they don't pay their bills on time. It sucks doesn't it! Well here's wishing you good luck with your job search. Say hello to Odie. - Gloria
satex4		#4	[-]
Patron Posts: 16 (30/11/2008 15:30:30) Reply Quote More My Recent Posts Message Me Connection Blocking Invite Ignore User's Posts Report Post	I've been told that unless I give permission for them to check my credit, they can't legally do it. I don't care if they check my background but credit is personnel information that NO ONE has a right to know about!!!!!!!!!!!!!
MagicPony	Oh Satex . .	#5	[-]
Absolut Wonder Posts: 1125 (12/12/2008 03:14:09) Lioness Reply Quote More My Recent Posts Message Me Connection Blocking Invite Ignore User's Posts Report Post	I am sorry if someone has caused your credit rating to go down. It's sad to say but most employers today regard your credit history as one of the most important parts of your background check. It allows them to look at things like how long you have been at your current residence (which helps with your stability profile), plus it allows them to check out you keeping your promises in terms of the credit itself. If there is a blemish on your credit anywhere it is always a good idea to include an explanation, which all of the credit bureaus will let you do. Like, you lost your job so couldn't keep up the same level of payments for months X through Y, and so on. In today's world with so many millions of families facing job losses and having their homes foreclosed even if there is a blemish somewhere, if you will take the time and care to fill out the explanation as to what happened many companies will overlook the blemishes. Our credit is taking a beating right now because my medical bills have climbed so high we are no longer on the brink of ruin we have fallen smack over the edge straight into the abyss. Even with good health insurance those 20% co-pays have just ruined us. Tens of thousands of dollars and it seems like every week my dadgum stable of doctors are always ordering more expensive tests. Of course I want to keep up with all the tests they want me to take but sometimes . . . . you start to wonder once you get such an illness if at least some part of it isn't turning into quite a racket. It's like. Every single time I take some sort of test or the other, that test leads to ten MORE tests they want me to take. I have an even dozen of tests I haven't managed to get to, yet. I am all worn out with it all and my poor husband. Such a good honest hard working man to have his credit ruined like this because his wife fell ill. It's awful. I feel so guilty. Good luck, Satex. I have faith that God HAS a plan for you. Some times you've got to shake things around like a prism and look at it all from different perches to find a new way of seeing. (Instead of other ways of speaking. lol!) A big bear hug to you, Magic
MagicPony	P.S. to Satex . . .	#6	[-]
Absolut Wonder Posts: 1126 (12/12/2008 03:18:50) Lioness Reply Quote More My Recent Posts Message Me Connection Blocking Invite Ignore User's Posts Report Post	If you contact all three credit bureaus they will send you forms to fill out an explanation for any blemishes on your credit rating. At the same time you can also give them the instruction not to allow any credit checks unless they have your specific permission in writing. Also, it is a good idea to do what FEBI says and cross out that part of the fine print on the job application that gives the company permission to check your credit. They should never be allowed to check your credit unless they intend to give you an interview for the job and/or have already scheduled an interview for the job with you. Ideally they would never check credit unless they intend to extend a job offer to you and the credit check is the only remaining portion of your background check. Good luck twice again and God's blessings, always. Magic

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