In this article, we go through several Freedom Debt Relief reviews on how to make sure your credit doesn’t keep you from landing that great job.
When Do Employers Check Your Credit Report?
According to Freedom Debt Relief reviews, employers can’t just check your credit without you knowing. They must first have your consent.
The types of employers that want to know about your credit are mainly those in the financial services industry. As well, government and municipal jobs and those applying to executive level positions may receive a request for their credit report.
Employers are looking to see how you’ve handled your credit. Problems with credit can be a sign that there may be problems managing workload or even reliability issues.
Also keep in mind that having great credit goes a long way to better opportunities in life. Employers aren’t the only ones who will want to see your credit report. Landlords, loan officers, cell phone carriers, insurers, and utility providers are just a few others.
When Is The Last Time You Checked Your Credit Report?
A great tip from Freedom Debt Relief reviews is to immediately get a copy of your credit report and start checking it for any inaccuracies. If one is found, file a dispute with the credit bureau where you received the credit report. Under the Fair Credit Reporting Act, credit bureaus must remove disputed items if they are found to be inaccurate.
There are three bureaus, which include Experian, TransUnion, and Equifax. You’ll want to go through your credit report from all three. Freedom Debt Relief Reviews show that these three are trustworthy sources for checking out your credit report.
You’re entitled to a free credit report from the credit bureaus every 12 months.
Working With A Finance Professional To Improve Your Credit
If you’re credit isn’t too good, it can be improved. Working with a finance professional is one of the best ways to navigate this journey. Trying to do it on your own can prove frustrating.
Freedom Debt Relief reviews recommends utilizing debt counselors who could help you move from where you are now to overall improvement of your credit.
What If You Are Just Starting Out
If you haven’t yet established credit, here are a few tips for doing just that.
Try to get added to your parent’s credit card, with their permission of course. This will allow you to basically share in their credit and begin building credit for yourself. While it will be under your parent’s account, you can still reference the credit you’ve built on the account.
Sometimes there can be a fee for being added to the account. But when you’re options are limited, the fee can be an investment well spent.
Secured credit cards are another great way to establish credit. With these cards, you deposit an amount of cash with the credit card company. Then you can use the card up to the amount of cash deposited. Be sure the credit card company will report your account to the credit card bureaus.
Knowing that some employers will want to check your credit, you are now armed with the knowledge to make sure your credit passes the interview as well.