Trying to Land a Job? Poor Credit Scores May Hurt Your Chances

Many employers are now looking at an applicant's credit report for hiring purposes. During an interview process a potential employer may request your written consent to access your credit report. A credit report is essentially your credit history created by CRAs (also known as credit bureaus). Debtors that grant (or deny) you credit make regular reports about your account status to CRAs. This information is then aggregated on a credit report and calculated into your "credit score".

Besides your credit history a credit report also contains a substantial amount of sensitive personal information. This includes your date of birth, social security number, telephone numbers (including unlisted numbers), current and previous addresses, employment, credit payment status and even legal information. The federal Fair Credit Reporting Act (FCRA) has made regulations too keep this information private. There are state and federal laws on who can obtain this information and how they can use it. However as mentioned earlier, any potential employer can access this information upon your written consent and take it in account during your hiring process.

What can you do? Depending on where you live you can may be entitled to receive a free copy credit report. Your may also find about who has viewed your credit report and other related information. For information we recommend visiting www.privacyrights.org

In some cases your credit report may contain inaccurate information which can very detrimental to your credit score. In this case it may be a good idea to get some help disputing and repairing a damaged credit report. One reputable company, Onyx Credit Repair has the resources and expertise to assist you in this situation. Visit their website at http://www.onyxcreditrepair.com.

It seems that having a strong credit score will continue to become increasingly important in this day and age. It is unfortunate that your credit report can be exploited for hiring and/or marketing purposes. It is legal for credit bureaus to generate selling lists of consumers who are more susceptible "pre-approved" credit card and insurance offers. You can however prevent credit bureaus from taking advantage this information. Visit www.privacyrights.org or contact Onyx Credit Repair (http://www.onyxcreditrepair.com) professionals for more information.

Onyx Credit Repair has been assisting clients with effectively repairing their credit scores for over 17 years. We offer credit repair consultants who assist our clients throughout the duration of their credit repair. For more information about our company please visit http://www.onyxcreditrepair.com/company.html

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122332067901008559.html%3Fmod%3Dgooglenews_wsjcid=1254804403ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNEtKIxjqrt31QOJd4gBP4hYOodL8Qimg src=http://news.google.com/news?imgefp=FkytdmbArj4Jimgurl=s.wsj.net/public/resources/images/MK-AS206_mgmmir_D_20081006165635.jpg width=80 height=53 alt= border=1brfont size=-2Wall Street Journal/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.guardian.co.uk/business/feedarticle/7845336cid=1254804403ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNE-0uUV-vYa7VQYZdtIRjJ-6-Oo2wMGM Mirage bcredit/b line amended, shares fall/abrfont size=-1font color=#6f6f6fguardian.co.uk,nbsp;UKnbsp;-/font nobrOct 6, 2008/nobr/fontbrfont size=-1By Deena Beasley LOS ANGELES, Oct 6 (Reuters) - MGM Mirage said on Monday its senior bcredit/b facility has been amended and it has finalized $1.8 billion of b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122332067901008559.html%3Fmod%3Dgooglenews_wsjcid=1254804403ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNEtKIxjqrt31QOJd4gBP4hYOodL8QMGM Mirage Gets Some Vegas Funding/a font size=-1 color=#6f6f6fnobrWall Street Journal/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/industryNews/idUSTRE4954O120081006cid=1254804403ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNFEcrcAuUtlKUT5S4KXi6HH0ecJWwMGM Mirage#39;s CityCenter gets first phase funding/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/10/06/ap5514160.htmlcid=1254804403ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNH9YG5oMc58u7xCMgmsUYRydGllHwSome casino operators hit new lows as markets fall/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/apwire/e649a73f619f337f17e57c4864bcd4c5.htmcid=1254804403ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNGbZ-2gPDwhAj4HpScqbw1GUuEcagnobrCNNMoney.com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://dealbook.blogs.nytimes.com/2008/10/07/mgm-mirage-scores-partial-financing-for-las-vegas-project/cid=1254804403ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNH7WxUwxL2DiFvMRRN-6d_GTxqxDgnobrNew York Times Blogs/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254804403hl=ennobrall 66 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122324525051705915.html%3Fmod%3Dgooglenews_wsjcid=1253647892ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNHz5t7fTe1hE4atyCnlmiW8J5YwsgWill Coal Be Cashing In On the New Tax bCredit/b?/abrfont size=-1font color=#6f6f6fWall Street Journalnbsp;-/font nobrOct 5, 2008/nobr/fontbrfont size=-1The bill, signed into law Friday, makes alternative jet fuel made from liquefied coal eligible for the first time for a 50-cents-a-gallon tax bcredit/b. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://cleantechnica.com/2008/10/06/bailing-out-renewable-energy-tax-credits/cid=1253647892ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNEZi8o47jwTA9auVL5Cq5U1qnAzjABailing Out Renewable Energy Tax bCredits/b/a font size=-1 color=#6f6f6fnobrCleanTechnica/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.cleantech.com/news/3645/itc-passes-now-whatcid=1253647892ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNG9MYPZbcPWzrHjmxtl3Jp6H_O-tgSolar takes stock after tax-bcredit/b battle/a font size=-1 color=#6f6f6fnobrCleantech Group/nobr/font/fontbrfont size=-1a href=http://news.google.com/news?btcid=1f02df4bba78c72bimg src=/images/news_comment_bubble12.gif alt=google news comment class=comment-iconComment bynbsp;Gregory Wetstone/afont size=-1 color=#6f6f6fnbsp;AWEA Sr. Director of Governmental amp; Public Affairs/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.utilityproducts.com/display_article/341698/129/none/none/Indus/Congress-Extends-Refined-Coal-Tax-Creditcid=1253647892ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNEP2j76dJWAVCuXHpZwB6G9sDqV7QnobrUtility Products Magazine/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.alternet.org/workplace/101821/a_green_bailout:_we_need_help_for_people_who_want_to_save_the_planet/cid=1253647892ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNEsX-IzF4vpDdriE7ub9iUiIYsrRAnobrAlterNet/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1253647892hl=ennobrall 712 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/consumer-credit-has-record-drop/story.aspx%3Fguid%3D%257B64766731-6CFF-494F-BF60-2D688ABDF0B6%257D%26dist%3Dmsr_1cid=1255241794ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNFKF5tQjq-gS2PzH4SxtXRiLOSPMgConsumer bcredit/b has record drop in August/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1Consumer bcredit/b rose 2.4% in July. Non-revolving bcredit/b - such as auto loans, personal loans and student loans - dropped sharply by $7.3 billion, or 5.4%, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/consumers-pay-down-debt-first/story.aspx%3Fguid%3D%257B2F78275E-B420-4BCD-A1A7-910B0DC83A8E%257Dcid=1255241794ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNGuccT7g0ArVhTHIDAgLyHM-kjc1gConsumers pay down debt for first time in 10 years/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255241794hl=ennobrall 4 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/sanfrancisco/stories/2008/10/06/daily32.htmlcid=1255202096ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNFvt7rlg9ajm-j4-aSPiEO03kOeswSelf-Help bcredit/b union acquires Oakland bcredit/b union/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1People’s Community Partnership Federal bCredit/b Union in Oakland merged with North Carolina’s Self-Help Federal bCredit/b Union. Terms were not disclosed in the b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/finance/financetopics/financialcrisis/3152487/Financial-crisis-US-takes-radical-action-to-revive-commercial-paper-market.htmlcid=1254976631ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNG3ETKyuM47SYYNdX19--yp3wW7CAimg src=http://news.google.com/news?imgefp=lFiOzBy423IJimgurl=www.telegraph.co.uk/telegraph/multimedia/archive/01005/ben_1005017f.jpg width=80 height=50 alt= border=1brfont size=-2Telegraph.co.uk/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://afp.google.com/article/ALeqM5gEFfPQSG7Sec1SynHAHdfqWwFhVAcid=1254976631ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNHL3EDMa673XKPHyumV1tucze1sywFed to buy commercial paper in bid to jump-start bcredit/b/abrfont size=-1font color=#6f6f6fAFPnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1WASHINGTON (AFP) — The US Federal Reserve opened up its coffers further Tuesday in an effort to ease a crippling bcredit/b crunch, offering to buy up b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DCJodeDvneDkcid=1254976631ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNGaceyMgvNXClIJz5_R7vmyRGeTFgVideo: Wall Street Shows Modest Rebound After Rout/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/CJodeDvneDk/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/CJodeDvneDktype=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/americasDealsNews/idUSTRE4954EW20081006cid=1254976631ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNGf5pAnY14xWa0ZqW6HQCx_VjZckwUS urges global action on bcredit/b crisis/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.rttnews.com/Content/ForexTopStory.aspx%3FNode%3DB3%26Id%3D734092cid=1254976631ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNGXTpaIidGQ2TJuU2Wk6MrqpRj5QQGreenback Pauses Versus Other Majors As Fed Tackles bCredit/b Crisis/a font size=-1 color=#6f6f6fnobrRTT News/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.financialweek.com/apps/pbcs.dll/article%3FAID%3D/20081007/REG/810079971/1036cid=1254976631ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNG7Qz4HjdQw6qPZ7h5XeXA0t5DvCAnobrFinancialWeek (subscription)/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.necn.com/Boston/Business/Fed-takes-historic-step-seeks-to-free-up-credit-/1223410028.htmlcid=1254976631ei=_dLrSLT9I6GO6APHjp38CAusg=AFQjCNEq3UlNR_LKF_DEVFlgtumybogolgnobrNECN/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254976631hl=ennobrall 1,604 news articles/nobr/a/font/div/font/td/tr/table
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