When preparing yourself for a job interview, you need to do more than just freshen up on your interviewing skills. Most employers today want to do more than just speak with you in an interview or read your resume. They want to conduct a thorough background check and take a look into your credit report and history. Reviewing your report prior to the interview to make sure it is in tip top shape is the first way to secure the job but knowing your rights under the Fair Credit Reporting Act (“FCRA”) will ensure the employer does not violate your rights and take advantage of your naivete.
Employment background check cases are on the rise. The Fair Credit Reporting Act (“FCRA”) is doing its job and protecting consumers nationwide from the improper handling of consumer reports during the employment application process. Consumers should be aware of their rights and protect themselves from misconduct of employers.
When applying for a credit card it seems fairly obvious that you cannot get approved with a poor credit history. However, consumers with a good credit score are denied for a variety of other reasons. Here are seven of the top reasons credit card companies may deny your application.
You have the ability to Opt Out of the unsolicited credit card offers you receive in the mail or over the phone. If it seems like your mail box is over-flowing with offers of pre-approved credit, you probably resent the excess mail and worry about someone stealing the information. If you would like to put a stop to all the offers, keep reading.
As we have discussed before in a previous post about credit restoration,It considers both positive and negative information compiled on you and is the driving force behind what type of credit you are granted. Consumers nationwide have a hard time understanding the basic principles of a credit score and as a result believe the myths that are circulating. Below is a list of five common credit score myths with an explanation of the real facts to set you on the straight and narrow.
You would have probably heard the term “credit restoration” at least once in your life. And, if you are one of the millions of Americans with a bad/poor credit score, we are sure you must be wondering if credit restoration would work for you. Here are a few myths that are busted about credit restoration.