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Rabu, 01 September 2010

Dealing With Credit History on a Job Application

When filling out a job application you may have noticed the trend of employers asking for your credit history information. You may feel outraged at the personal intrusion, how does your credit history affect your ability to perform at a job? However, hiring managers see the credit issue from another point of view and believe that your score can be used as an indicator of job performance.

According to the Society of Human Resource Management, 60 percent of employers conduct credit checks on at least some of their new hires. This represents a significant increase from the last decade when only 25 percent of employers scratched this deep. So, if you are looking to get hiring, you may want to check out your credit score and start fixing any problems that may be on it.

Companies that use credit history as a qualifier for getting the job report that this data can show discrepancies or confirm information found on the resume and also uncover any distractions or personal management problems that may interfere with getting the job done. Some problems with checking a potential hire's credit score is that it sometimes doesn't provide enough information to explain any problems that may be on the report. In this economy, there are many reasons that a person may acquire bad credit that are beyond his control - from unexpected health problems, frivolous lawsuits, divorce and other reasons.

If your credit score is not as great as it should be, this is the time to start turning it around. Correct any mistakes that have shown up on your report and take the steps needed to raise your number. If you know you have credit problems, take the initiative to proactively discuss this with your potential employer instead of waiting for them to dig it up - problems will inevitably be discovered if you've given them permission to investigate. Show your future employer that you've taken steps to improve your financial status and are a responsible and dependable person - get plenty of references on your resume to back this up.

Todd Denning


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