Encuesta

¿Sabe usted cuál es la diferencia entre un banco y una cooperativa de ahorro y crédito?

Si
No

hogar
Spanish

Verifique su historial de crédito antes que sus futuros empleadores

Check credit record before future employers do

If you're looking for a job, chances are you've spent a lot of time making sure your résumé is perfect. You should be paying close attention to your credit record as well (USAToday.com Oct. 26, 2010).

While only 13% of companies conduct credit checks on all job applicants, almost half check credit histories for employees with financial responsibilities and senior executives, according to the Society for Human Resource Management, Alexandria, Va.

Many employers believe that credit reports contain relevant information about applicants-especially those applying for jobs where they'll have access to large sums of money or merchandise.

Here's help understanding your credit history:

* Realize the difference between credit score and credit report

Your credit score is a three-digit number that summarizes your credit history, and in many cases is the most influential factor in a lender's decision to grant you credit and at what rate, according to editors from the Credit Union National Association's Center for Personal Finance. A credit report shows a record of your past borrowing and repaying habits.

* Check your credit report yourself

You're eligible for a free credit report annually from each of the three major credit bureaus-Equifax, TransUnion, and Experian-at annualcreditreport.com. Use the Web site to request one or call 877-322-8228.

* Know your rights

The Fair Credit Reporting Act requires employers to obtain your consent before reviewing your credit report. While you can say no, if you decline giving an employer authorization to pull your report your chances of getting the job may decrease.

Talk to the professionals at your credit union for help improving your credit record.

Published 2-7-2011

 

Compártelo

Tu dirección electrónica

La dirección electrónica de ellos

Comentarios

Página

Cerrar

Envíanos Tus Comentarios

Tu Nombre

Correo Electrónico

Comentarios

¿Quieres que un representante de la credit union se ponga en contacto contigo?
Si No
Si tiene alguna pregunta sobre su cuenta o una transacción, por favor póngase en contacto con su credit union por teléfono en vez de usar esta forma.

Cerrar

RSS Compártelo Contáctanos