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<blockquote data-quote="browned out" data-source="post: 5062684" data-attributes="member: 8105"><p><a href="https://www.experian.com/blogs/ask-experian/credit-education/life-events/employment/" target="_blank">What to Know About Employment and Your Credit</a></p><p></p><p>It's well-known that your credit health can affect your ability to get a loan or a credit card, but you may be surprised to learn it could affect your job prospects as well. Federal law allows current and prospective employers to view a modified version of your credit report <strong>for employment purposes.</strong> That can include during the initial hiring process and prior to promotions.</p><p></p><p>Employers can't view your credit score, but they can see credit data that's informative of your ability to manage money and responsibility. According to the National Association of Professional Background Screeners (NAPBS), 31% of employers will run a credit or financial check on at least some candidates for employment.</p><p></p><h2>Can an Employer Access My Credit?</h2><p>The <a href="https://www.experian.com/blogs/ask-experian/credit-education/report-basics/fair-credit-reporting-act-fcra/" target="_blank">Fair Credit Reporting Act (FCRA)</a> lists who can obtain your credit report and for what purpose. Employers, for instance, are allowed to run a credit check for hiring and promotion decisions, but only if the applicant or employee<strong> has given written permission</strong> for them to do so.</p><p></p><p>In fact, there are only <strong>a few exception</strong>s to the <a href="https://www.experian.com/blogs/ask-experian/can-someone-run-a-credit-check-without-my-permission/" target="_blank">requirement to obtain permission</a> before pulling a credit report, including:</p><p></p><ul> <li data-xf-list-type="ul">In response to a court order or federal grand jury subpoena.</li> <li data-xf-list-type="ul">In connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law.</li> <li data-xf-list-type="ul">In connection with a child support determination (in certain circumstances).</li> <li data-xf-list-type="ul">In connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended and certain other restrictions are met.</li> <li data-xf-list-type="ul">For the purposes of a potential investor assessing the risk of a current credit obligation</li> </ul><p></p><p>[MEDIA=youtube]vt9q-WChfeM[/MEDIA]</p></blockquote><p></p>
[QUOTE="browned out, post: 5062684, member: 8105"] [URL="https://www.experian.com/blogs/ask-experian/credit-education/life-events/employment/"]What to Know About Employment and Your Credit[/URL] It's well-known that your credit health can affect your ability to get a loan or a credit card, but you may be surprised to learn it could affect your job prospects as well. Federal law allows current and prospective employers to view a modified version of your credit report [B]for employment purposes.[/B] That can include during the initial hiring process and prior to promotions. Employers can't view your credit score, but they can see credit data that's informative of your ability to manage money and responsibility. According to the National Association of Professional Background Screeners (NAPBS), 31% of employers will run a credit or financial check on at least some candidates for employment. [HEADING=1]Can an Employer Access My Credit?[/HEADING] The [URL='https://www.experian.com/blogs/ask-experian/credit-education/report-basics/fair-credit-reporting-act-fcra/']Fair Credit Reporting Act (FCRA)[/URL] lists who can obtain your credit report and for what purpose. Employers, for instance, are allowed to run a credit check for hiring and promotion decisions, but only if the applicant or employee[B] has given written permission[/B] for them to do so. In fact, there are only [B]a few exception[/B]s to the [URL='https://www.experian.com/blogs/ask-experian/can-someone-run-a-credit-check-without-my-permission/']requirement to obtain permission[/URL] before pulling a credit report, including: [LIST] [*]In response to a court order or federal grand jury subpoena. [*]In connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law. [*]In connection with a child support determination (in certain circumstances). [*]In connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended and certain other restrictions are met. [*]For the purposes of a potential investor assessing the risk of a current credit obligation [/LIST] [MEDIA=youtube]vt9q-WChfeM[/MEDIA] [/QUOTE]
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