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"&amp;lt;p&amp;gt;\u00A0Employers are increasingly running\u00A0&amp;lt;a href=&amp;quot;https://www.thebalance.com/how-to-handle-a-job-applicant-credit-check-2059602&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;1&amp;quot;&amp;gt;credit checks on job applicants&amp;lt;/a&amp;gt;\u00A0and using that information to make hiring decisions.\u00A0 A Society of Human Resources Management (SHRM) survey reported that 60% of employers get credit reports on applicants for some or all positions.&amp;lt;/p&amp;gt;&amp;lt;h3&amp;gt;&amp;lt;strong&amp;gt;What is Included in an Employment Credit Check&amp;lt;/strong&amp;gt;&amp;lt;/h3&amp;gt;&amp;lt;p&amp;gt;&amp;lt;a href=&amp;quot;https://www.thebalance.com/what-is-an-employment-credit-check-2061962&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;2&amp;quot;&amp;gt;An employment credit report&amp;lt;/a&amp;gt;\u00A0includes identifying information, including name, address, previous addresses, and\u00A0&amp;lt;a href=&amp;quot;https://www.thebalance.com/can-an-employer-ask-for-your-social-security-number-2062157&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;3&amp;quot;&amp;gt;social security&amp;lt;/a&amp;gt;\u00A0number. It also shows the debt you have incurred including credit card debt, mortgage, car payment,\u00A0&amp;lt;a href=&amp;quot;https://www.thebalance.com/how-to-apply-for-student-loans-2385739&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;4&amp;quot;&amp;gt;student loans&amp;lt;/a&amp;gt;, and other loans and your payment history, including late payments.&amp;lt;/p&amp;gt;&amp;lt;h3&amp;gt;&amp;lt;strong&amp;gt;The Employer Must Ask Your Permission&amp;lt;/strong&amp;gt;&amp;lt;/h3&amp;gt;&amp;lt;p&amp;gt;Before an employer can get information for employment purposes, the\u00A0&amp;lt;a href=&amp;quot;https://www.thebalance.com/fair-credit-reporting-act-fcra-and-employment-2059610&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;5&amp;quot;&amp;gt;Fair Credit Reporting Act\u00A0&amp;lt;/a&amp;gt;(FCRA) requires that they must notify you in writing and get your written authorization. If the employer is simply conducting inquiries (rather than running reports) they should also ask for your consent.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;If you do not consent to the credit check, employers might go forward with the interview process, but they may also reject your application on the spot. Furthermore, federal law allows employers to use these reports as a reason for choosing other candidates.\u00A0 Some states are proposing legislation to ban some employment-related credit checks, but, to date, no laws been enacted.&amp;lt;/p&amp;gt;&amp;lt;h3&amp;gt;&amp;lt;strong&amp;gt;Laws Restricting Credit Checks&amp;lt;/strong&amp;gt;&amp;lt;/h3&amp;gt;&amp;lt;p&amp;gt;To date, employment-based credit checks are legal under federal law. The Fair Credit Reporting Act legally allows employers to check credit reports on both potential candidates and current employees. Employers are required to send a copy of the credit report and written summary to the applicant and to wait a few days for his or her rebuttal or explanation regarding the findings.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;Some states have laws which restrict or prohibit credit checks. There are also local laws which prohibit job applicant credit checks. Check with the Department of Labor in your location if you have a concern about bad credit impacting your hireability.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;&amp;lt;strong&amp;gt;Related Articles&amp;lt;/strong&amp;gt;&amp;lt;/p&amp;gt;&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;&amp;lt;a href=&amp;quot;https://www.thebalance.com/employment-background-checks-2058432&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;6&amp;quot;&amp;gt;Employment Background Checks&amp;lt;/a&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;&amp;lt;a href=&amp;quot;https://www.thebalance.com/how-to-handle-a-job-applicant-credit-check-2059602&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;7&amp;quot;&amp;gt;Job Applicant Credit Checks&amp;lt;/a&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;&amp;lt;a href=&amp;quot;https://www.thebalance.com/when-employers-can-run-job-applicant-credit-reports-2060318&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;8&amp;quot;&amp;gt;Job Applicant Credit Reports&amp;lt;/a&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;&amp;lt;a href=&amp;quot;https://www.thebalance.com/employment-background-checks-2058432&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;9&amp;quot;&amp;gt;Background Checks&amp;lt;/a&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;&amp;lt;a href=&amp;quot;https://www.thebalance.com/employment-verification-and-reference-checks-2058433&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;10&amp;quot;&amp;gt;Reference Checks&amp;lt;/a&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;&amp;lt;p&amp;gt;DISCLAIMER:\u00A0The private websites, and the information linked to both on and from this site, are opinion and information. While I have made every effort to link accurate and complete information, I cannot guarantee it is correct. Please seek legal assistance, or assistance from State, Federal, or International governmental resources to make certain your legal interpretation and decisions are correct. This information is not legal advice and is for guidance only.&amp;lt;/p&amp;gt;"^^<http://www.w3.org/2001/XMLSchema#string>
<https://www.thebalance.com/what-is-an-employment-credit-check-2061962>