Employers Check Credit Reports

Chris Wodke

http://www.summittrainingpublications.com/

Potential employers check references and credit scores. Be prepared for the credit check and get your credit and credit score in good shape. Here are some tips from the Clark Howard web site to help you improve your credit score. The site can be found at: http://clarkhoward.com/

• Obtain a copy credit report for free online at annualcreditreport.com.
• A credit score must be purchased separately and is a number between 300 and 850 that evaluates your risk as a borrower. There are several ways to obtain a free credit score, however it will be a bureau-calculated number -- not be the official Fair Isaac (FICO) score.
• Correct any information on your credit report. If a problem is found on one report assume it is on all reports. There are three major credit bureaus - Equifax, Experian, and TransUnion - and they don't share information. So even if you correct an error on one credit report, you will have to do the same on the other two.  An error on a report can take months to clear up. Start this process early.
• You have the right under federal law to challenge items on your credit report. The credit bureau then has 30 days to decide whether that item should be removed.

• More lines of credit better than less in current climate. Open lines of credit and credit cards in case you need them. With the high rates of credit card default, the banks are in a panic trying to close down stale credit card accounts that haven't been used in 24 months. That's a double whammy to you: It reduces your available credit and the length of the history of your credit. Both criteria can really hurt your overall credit score.
• So the key is to use all your credit cards twice a year. Simply mark a day on your calendar, make a small purchase of $5 or less and then turn around and pay it right off. This keeps your account active and raises your credit score, plus it helps make it less likely that your account will be closed.
• Be careful about late rent and utility bills. There is currently a push to get these included on credit reports.
• The most important thing you can do to have good credit is to pay your bills on time. This is the largest component of your credit score.  This is tough to do when unemployed, but is critical to maintaining good credit. Find out the due date for your bills and make sure your payment is in on time.  Having 3-6 months of living expenses saved for an emergency fund will make it easier to pay your bills.

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