Bad credit and employment.QA I am job hunting and was recently turned down for two nonfinancially related positions due to my past credit problems. Any advice? --L. Richards, Austell, Georgia Austell is a city in Cobb County, Georgia, United States. The population was 5,359 at the 2000 census. Census Estimates for 2005 show a population of 6,566. The city was named after the Austell family. Austell means "from the east. Screening job applicants based on their credit history has become common practice in recent years. However, "employers must provide written notice about their use of consumer information," says Anaise Schroeder, director of human resources The fancy word for "people." The human resources department within an organization, years ago known as the "personnel department," manages the administrative aspects of the employees. at the Council of Better Business Bureaus Inc. in Arlington, Virginia. "Additionally, an employer must obtain written consent from the applicant on a disclosure form that is clearly separate from the job application form." Under the Fair Credit Reporting Act The Fair Credit Reporting Act (FCRA) is legislation embodied in title VI of the Consumer Credit Protection Act (15 U.S.C.A. § 1681 et seq. [1968]), which was enacted by Congress in 1970 to ensure that reporting activities relating to various consumer transactions are conducted in a (FCRA FCRA Fair Credit Reporting Act (US) FCRA Foreign Contribution Regulation Act FCRA Federal Credit Reform Act FCRA Florida Civil Rights Act FCRA Florida Court Reporters Association FCRA Fabric Care Research Association ), if you are turned down for a position based upon poor credit, the company must send you two written notices: first, a pre-adverse-action form that contains a copy of your credit report along with a brochure explaining your consumer rights under the FCRA; this is followed by an adverse-action notice that explains your right to dispute the accuracy or completeness of the findings. Employers who fail to get an applicant's permission prior to conducting a credit check can be sued for damages in federal court. Complaints can be filed with the Federal Trade Commission (877-382-4357, www.ftc.gov). Mail your consumer questions to Ask Your Advocate, BLACK ENTERPRISE, 130 Fifth Ave., New York New York, state, United States New York, Middle Atlantic state of the United States. It is bordered by Vermont, Massachusetts, Connecticut, and the Atlantic Ocean (E), New Jersey and Pennsylvania (S), Lakes Erie and Ontario and the Canadian province of , NY 10011, or send an e-mail to brownmr@blackenterprise.com. |
|
||||||||||||||||||||
Printer friendly
Cite/link
Email
Feedback
Reader Opinion