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Scott Silvers
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over 6 months ago

This is a snippet of what the government says about background checks in this country. The only information that truly matters. Whenever I research something that has to do with my rights as an American, it must be from a .gov website, whether it's for my state or for the entire country. Many of us do not know our rights, but we have many in this country.... Have a great day.....

Background Checks: What Employers Need to Know FTC When taking an adverse action (for example, not hiring an applicant or firing an employee) based on background information obtained through a company in the business of compiling background information, the FCRA has additional requirements: Before you take an adverse employment action, you must give the applicant or employee: a notice that includes a copy of the consumer report you relied on to make your decision; and a copy of "A Summary of Your Rights Under the Fair Credit Reporting Act," which you should have received from the company that sold you the report. By giving the person the notice in advance, the person has an opportunity to review the report and explain any negative information. After you take an adverse employment action, you must tell the applicant or employee (orally, in writing, or electronically): that he or she was rejected because of information in the report; the name, address, and phone number of the company that sold the report; that the company selling the report didn't make the hiring decision, and can't give specific reasons for it; and that he or she has a right to dispute the accuracy or completeness of the report, and to get an additional free report from the reporting company within 60 days. https://www.eeoc.gov/laws/guidance/background-checks-what-employers-need-know #rights #background #credit #criminal #human

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Susan Keeton Malzahn
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over 6 months ago

To land a job at #Credit Union of America I would make sure to...

Everyone has your back! It is a great place to work!

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Ines Syntia
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over 6 months ago

It is a great place to work with a lot of advantages. Colleagues are adorable and hard working.

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Amanda Fisher
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over 6 months ago

So I had a second interview today for a job that I really want. They are going to do a background check as well as a credit check. I’m not worried about the background check I’m clean. However my credit needs work. Can that prevent me from getting the job?

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Nubian Queen
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over 6 months ago

It is very unfortunate that some jobs require you to have good credit when the job has NOTHING to do with currency, working in a financial institution, Wall Street, etc. I saw a opening and it was a Data Entry position and it was requiring you to "Maintain a clean credit history (no past due/collections on credit report)". I am working in a data entry position right now and has been since July 2018 and I have the best boss EVER, but the pay isn't what I can move ahead on so I am still seeking a better salary and also a permanent offer. Most individuals I know who has been out of work, or temping have this issue and it is unfair for employers to require this if you are not in a financial institution, working with currency, etc. I get doing a background check on individuals, but to require you to have a clean credit history is beyond me especially with a data entry position. First of all if individuals had not falling on hard times they wouldn't have low credit rating and we shouldn't be PUNISHED for falling on hard times, it is just like aging, you are PUNISHED for being over 50 and seeking employment regardless of your experience, these two are UNJUST and a PUNISHMENT whomever is seeking a good job and trying to rebuild their credit history. I am sure they know if you have no steady reliable income, your credit history will take a FALL, so why not look at the individual work experience/history and give them a CHANCE to rebuild what that person has lost. IJS

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Lois Martin
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over 6 months ago

If you have poor credit, chances are it's hurting your chances to be hired. Yes, it's a 'catch 22' situation: you miss payments when you're not earning income -- then you can't get a job because you have bad credit!!!

Why are employers concerned with your credit history? And what can you do if your credit is less-than-stellar? This article takes you step-by-step through the process to best present yourself and overcome the situation -- and prospective employers' misgivings. Hope it helps! https://www.careertoolbelt.com/tips-for-getting-hired-when-you-have-bad-credit/

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Sherri Tyrrell
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over 6 months ago

Why do credit reports determine whether an applicant is hired or not? Yes, I'm in financial hardship. I'm broke, I have part time employment, but I'm not a criminal or an otherwise dishonest person because of it. I co-signed on a car for my ex-husband to help him out, now his car I helped him purchase, is my liability; a business venture failed. and breast cancer directly followed. Financial hardship should not deter me from employment. And, some websites for background reports actually sensationalize an employer to purchase reports by using phrases such as, "probable" criminal activity, "probable" sexual offender, to encourage the purchase of the report. Isn't this discriminatory to reject employment based on credit history, or current financial hardship? This does not seem fair. And, what happened to a person's credit history being a private matter? Not to mention this does not level the playing field for obtaining work. An applicant can get hired for having good credit, but another can't for having bad credit? What happened to being qualified for the position? Also, the applicant with bad credit is more likely to appreciate being hired by being a loyal employee because of being hired, and now has employment to improve their credit situation. Am I the only person who thinks something is askew here?

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Nichole Alires
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over 6 months ago
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Pamela Hooper
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over 6 months ago

Is it common for employees to complete a credit check and if so what exactly are they looking for?

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Jeff Swemley
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over 6 months ago

I think the same way but the creditors think differently they want their money they r just doing their job personally they would cut u a break. That is part of life I believe if u try your best good things will come your way.

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