| Topic Name: |
credit history |
| Message Name: |
You'll (usually) know when you are credit-ckecked by an employer |
| Date Posted: |
01/04/2002 |
| In Reply To: |
Hi!
I have a dent in my credit history. Known as an R9 (written-off balance), for a small amount ($150), which was paid off as soon as I discovered its existence (more than a year ago). How big a problem is this? Do firms use credit history to pre-screen candidates and if so do they only look at current problems and bankruptcies? I would really appreciate any advice any of the folks here could give. Thanks a bunch.
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| Message: |
If firms use credit hostory at all, it is usually in a post-interview situation, often post-offer ("passing" is a stated condition of the offer.)
So, at least with the firms I know of, it would not be a factor in pre-screening you out.
Usually, you will know when a credit check is being undertaken, as most firms will ask you to sign a waiver / authorization ... so, unless you've been asked to do so, it probably has not been an issue for you so far.
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Also, can't you ask the credit reporting agencies to incorporate your comments when there is an inaccuracy / questionable line item?
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